The duty of disclosure as enunciated by the principle of utmost good faith is imposed on
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absolute, it is 100% one way or another; it is not relative or comparative. For example: If someone says, "Grass is green," it suggests that all grass, in any place and at any time, is green.
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The duty of disclosure as enunciated by the principle of utmost good faith is imposed on The proposer only. the insurer only. ... neither the proposer nor the insurer.
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