How do you find out there's something you should know?

In days of yore, a favourite question in Part 1 of the ACIIexamination was: "What types of material fact need not be disclosed by aproposer for insurance?"

The standard answer was (and still should be, I imagine):

- those which lessen the risk;

- those which the insurer already knows;

- those which the insurer ought to know (eg that California is in anearthquake zone);

- those which the insurer waives the right to know about.

It was the last of these that used to produce what was, to my mind, an

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