Which details do not need to be disclosed when buying life assurance?

When purchasing life assurance, the requirement for disclosure typically revolves around any information that may affect the insurer's assessment of risk. Spent convictions usually do not need to be disclosed because, under certain legal frameworks in many jurisdictions, once a conviction is deemed 'spent,' it is no longer considered in assessing a person's character or risk profile for insurance purposes. This reflects the principle of rehabilitation, allowing individuals to move on from past transgressions without them impacting their current insurability.

In contrast, other information such as date of birth, medical history, and details concerning your participation in dangerous sports or activities are all pertinent to an insurer's understanding of the risk they are taking on. The date of birth affects the calculation of life expectancy; medical history provides insights into potential future health issues; and engaging in dangerous sports or activities may significantly increase the risk of injury or death, all of which are critical for premium pricing and policy approval.