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.

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

B. (a)Compare and contrast the extent of an insured's duty of disclosure under a contract of:

Life insurance

General insurance