INSURANCE - appeal under s 46 of the Superannuation (Resolution of Complaints) Act 1993 (Cth) against decisions of Superannuation Complaints Tribunal - whether Tribunal erred in affirming insurer's decisions to avoid applicant's insurance under s 29(2) of the Insurance Contracts Act 1984 (Cth) for fraudulent misrepresentation and non-disclosure - whether s 21 of the Insurance Contracts Act 1984 (Cth) imposed duty of disclosure on applicant as a third party beneficiary - appeal allowed
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