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All Material facts must be disclosed. Failure to do so could invalidate the Policy. A material act is one, which be likely to influence an Insurer in the assessment and acceptance of the proposal form. If you are in doubt as to whether a fact is material then it should be disclosed to the Insurer. State any other material facts that you may believe to be relevant
I hereby declare that to the best of my knowledge and belief the above statements and particulars are true and correct and that I have withheld no information material to this proposal.