i. Musa is an agent of Uche in this situation, as he assisted Uche in completing the insurance policy proposal form. According to the Insurance Act, an insurance agent who helps an applicant with their application is deemed to act on behalf of the applicant rather than their employer.

ii. A “material fact” in relation to insurance contracts refers to any fact that would influence the judgment of a prudent insurer in deciding whether to accept the risk, and if so, at what premium. Non-disclosure of material facts by the applicant renders the insurance contract voidable at the insurer’s discretion.