Thabiso took an insurance policy with Cover-link Insurance Brokers. The sum assured was substantial. In the policy, Thabiso was described as a first-class life. However, Thabiso did not disclose in the proposal for that he was keen mountaineer. The proposal as filled in by an insurance agent on his behalf. Although Thabiso told the agent that he as 42 years old, the agent, for reasons best known to him wrote 32 years. Thabiso signed the form without reading it. Before the first premium was paid, Thabiso fell off the cliff and was badly injured. His wife then quickly made a premium chegue to Cover-link Insurance Brokers. Thabiso died during an operation on his injuries.