Mrs Jacobs took an insurance policy with Botswana Life. The sum assured was substantial. In the policy, Mrs Jacobs was described as a first-class life which she did not disclose in the policy proposal. The agent completed the application form on her behalf which Jacobs. Although Mrs Jacobs told the agent that she as 32, the agent, wrote 22 years. Mrs Jacobs signed the form without reading it. Before the first premium was paid, Mrs Jacobs fell off the cliff and was badly injured. Her husband then quickly made a premium payment to Botswana Life. Mrs Jacobs died during an operation on his injuries.