This article on goodreturns has some gems. The most important comment of all is that filling in the form for the client, as you read questions and they answer them, is a 'known risk'. The most common form of complaint about insurance is disclosure, clarity about who made what disclosures is vital. Filling in the form at the client's direction does not help clarity - although it can be useful, especially for clients that have some difficulty with comprehending the questions and writing the answers. Later in the article the comments about helping clients to understand their duty of disclosure are helpful. When friends ask about it, or the subject comes up when meeting advisers, I have a good example: me. I have asthma. This happens to be almost perfectly calibrated medical problem for explaining disclosure. If I didn't disclose it, and then had, say, a heart attack, I might find my claim declined. But I did disclose it, and because my asthma is well managed and not too severe, my cover includes it at ordinary rates - and I have no need to worry about the potential claim. You probably have other examples from clients you have met. I reckon it is always useful to have at least one, good, example ready to talk about.