When must a life assurance Disclosure Notice be given to a client?

• A. Before the client signs the proposal form
• B. Before the policy is issued
• C. Before the cooling off period expires
• D. Before the policy has been in force for more than 60 days

Answer: (A)

A life assurance Disclosure Notice must be provided to a client before they sign the proposal form because this ensures that the client is fully informed about the terms, conditions, and implications of the policy they are considering. Providing this information at this early stage is crucial for the transparency of the sales process and helps the client make a well-informed decision. By receiving the Disclosure Notice beforehand, clients have the opportunity to ask questions and clarify any uncertainties, which fosters a better understanding of the coverage being offered.

This timing builds trust and credibility in the relationship between the advisor and the client, emphasizing the importance of informed consent in the life assurance industry. While other options mention different points in the process, none align with the fundamental principle of delivering essential information prior to the client's commitment to the contract.