Life Assurance Contracts

Life assurance continues to be a topic of great practical significance, given the popularity of endowment mortgages and pensions, which contain an element of insurance, as well as the need for families to protect against the loss of their breadwinners. Since the first edition of this book in 1995 much has changed, with a fundamentally new regulatory structure under the Financial Services and Markets Act 2000, changes in divorce and bankruptcy law, as well as continued developments in areas such as insurable interest and utmost good faith. All these developments are covered in this new edition, which at the same time retains the extensive coverage of the well-established principles of this area of law.

Areas dealt with include insurable interest, disclosure, cancellation, intermediaries, marketing, assignment, surrender and pension policies. This new edition has been comprehensively revised and updated to take account of changes since the last edition was published.

1. Introductory Matters 2. Insurable Interest 3. Pre-contractual Disclosure 4. Between the Proposal and the Inception of Risk 5. Cancellation 6. Intermediaries 7. Intermediaries under the Financial Services and Markets Act 2000 8. Marketing and Advertising 9. Selling Policies in Europe 10. The Administration of Investment Policies 11. Alteration of Risk 12. Failure of Payment 13. Assignment 14. Maturity and Surrender 15. Claims and Construction 16. The Continuing Duty of Utmost Good Faith 17. Mortgages and Charges 18. Bankruptcy and Insolvency 19. Divorce, Separation and Relationship Breakdown 20. Pension Policies 21. Industrial Assurance Business and Friendly Societies