The doctrine of utmost good faith underpins insurance law. When effecting contracts of insurance, an insured (or proposer) has a duty under the Insurance Contracts Act 1984 (Cth) to disclose certain information to the insurer.

-To what extent does the duty of disclosure apply differently to before and after the insurance contract has formed.

-Compare and contrast the extent of an insured's duty of disclosure under a contract of

-life insurance

-General insurance

-Give 2 examples of 'prescribed' insurance products and explain the extent to which the insurer can vary the terms and conditions of the contract.

-Explain how offer and acceptance operate under life insurance