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perversely, I think that the documents enable the provider or their lawyers to say "we told you". "It is all in the PDS" Consumers simply expect life insurance to pay out if the insured dies, disability insurance to pay out if disabled, house and contents insurance to pay out if house or contents damaged etc. The sort of disclosure that might possibly work would say. These are the situations where your policy WILL NOT pay or where it will be complicated to make your claim :..... 1....2....3..... etc, and please initial beside each point.