What should Chris do if he is unsure whether information is material when completing a proposal form?

Disclosing information fully when uncertain about its materiality is the best approach in the underwriting process. Material information is any fact that would influence an insurer's decision to accept a risk or affect the terms applied to a policy. By disclosing all potentially relevant information, Chris ensures transparency and allows the insurer to make an informed assessment. This practice aligns with the principle of utmost good faith (uberrima fides), which is fundamental in insurance contracts, obligating the proposer to provide all information that might affect the insurer's decision.

In situations where there is any doubt regarding the materiality of information, erring on the side of full disclosure mitigates the risk of potential claims being denied due to non-disclosure or misrepresentation. This approach protects both the insurer's interests and Chris's own interests as the insured party.