This is the statement or section of the form where the person is required to declare that the statements or answers are given fully and truthfully and that if it were not so, there would be legal consequences.

The date on which cover begins, following acceptance of the risk by the insurer.

A life insurance policy with the benefits payable on diagnosis of one of a number of specified medical conditions.

The coroner is the person who is legally authorized by the government to determine the cause of death, when this is in doubt, or if there has been death which is not deemed to be due from normal illnesses. He or she does it by examining the evidence submitted including autopsy or post mortem reports, medical reports and statements from witnesses. The coroner is usually a magistrate or someone who possess legal qualification.

Fund value or total benefit amount available on maturity or death.

An umbrella heading for how companies approach their involvement with issues such as environmental management, local communities, employees, human rights, health and safety at work, suppliers, customers and standards of business conduct.

Earnings on an investment's earnings. Over time, compounding can produce significant growth in value of an investment.

Payment made to a salesman, agent or other intermediary, normally in return for selling an insurance or investment policy.

A financial measure of insurance underwriting profitability that expresses the total of claim costs, commission and expenses as a percentage of premiums. A COR below 100% indicates profitable underwriting. Companies with a COR over 100% can still be profitable if they earn sufficient investment income from the premiums paid by policyholders.

Claims incurred, adjusted for any reinsurance, expressed as a percentage of net premiums earned. Sometimes referred to as loss ratio.