The insurer has responsibility to make a full and accurate disclosure just as such obligation of applicant. It worth more attention from scholars and insurance companies, but actually, it is ignored for a long time.People always emphasize on the applicant's obligation of notifying all the information relevant to the subject matter of insurance, at the same time, they neglect the fact that the insurance contract is issued by insurer who decide all the items. The applicant only has the chance to yes or no except expressing his own idea.Even the applicant accepts the contract insurer issued, he has only the right to accept or not, instead of discussing the content of the insurance contract, say nothing of the free to express his own idea.Because insurer has the obvious predominance on economic strength, professional knowledge, and possession of information, the applicant has to accept the format contract even he don't like some of the clauses. But for preventing his estate or life, it seams to be the only way — signing the contract. When insurer commencement his business, he is not willing to express the content of contract clearly to the applicant. Innocent applicant may make a wrong decision according to his misunderstanding. It is undoubtedly when the applicant has his interests infringed upon. So we must pay attention to the disclosure obligation of insurer to protect fair...
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