Attention has recently been drawn to the legal aspects of Children's Deferred Assurances by the decision In re Englebach to which reference is made later on in this paper, although that case introduced no new principle of law and strictly followed the lines of earlier decisions.

There are those who think that the legal aspects of life policies from the Proposer's point of view are matters for his own attention on which he should be advised by his own Solicitor, and that from the Assurance Office's point of view they are matters for the attention of the Solicitors to the Office. In other words, they think that the Proposer must protect his own interests.

There are others who do not subscribe to that view. They think that the Office should give the Proposer a detailed and lucid explanation of every important phase of any policy which it offers to the public and that the Proposer ought to be able to enter with complete confidence into any contract for a policy in the ordinary form of the Office without having to take the advice of his own Solicitor.