Lesson Note on Insurance Practice (Proposal Form) for SS1 (SSS 1)

Class: Senior Secondary School 1 (SS1, SS 1, SSS1, SSS 1)

Term: 2nd Term

Week: 7

Age: 15 years

Duration: 45 minutes

Subject: Insurance

Curriculum Theme: Insurance

Previous Lesson: Contribution.

Topic: Insurance practice

Subject Matter: Meaning of proposal form, features of proposal forms, examples of proposal form details, functions and uses of proposal forms, contracts where proposal forms are used including fire, burglary, theft, personal accident, sickness, and motor insurance.

Specific Objectives

By the end of the lesson, pupils should be able to:

Cognitive Domain:

• Define a proposal form.
• State at least three features of a proposal form.
• List four examples of details found in a proposal form.
• Explain two functions of a proposal form.
• Identify at least three types of insurance contracts where proposal forms are used.

Affective Domain:

• Appreciate the importance of providing accurate information on a proposal form.
• Participate actively in discussions about proposal forms.

Psychomotor Domain:

• Identify different parts of a specimen proposal form.
• Complete a simple hypothetical section of a proposal form.

Social Domain:

• Collaborate with peers to analyze a specimen proposal form.

Reference Materials

The following resources were used in planning this lesson:

• 9 Years Basic Education Curriculum for Senior Secondary Schools.
• State Unified Scheme of Work for Insurance SSS 1.
• Comprehensive Insurance for Senior Secondary Schools by J.K. Adebayo.
• Specimen insurance proposal forms.

Instructional Materials

The teacher will teach this lesson with the aid of:

• A specimen insurance proposal form.
• Charts showing different sections of a proposal form.
• Whiteboard and markers/chalk.

Rationale for the Lesson

This lesson helps pupils understand the initial steps in obtaining an insurance policy. It enables them to recognize and correctly fill out proposal forms, which is important for securing various types of insurance coverage in their future lives.

Prerequisite/Previous Knowledge

Pupils should have a basic understanding of what insurance is and its general principles.

Lesson Content/Board Summary

Insurance Proposal Form

Meaning of Proposal Form

A proposal form is a document that an individual or organization seeking insurance coverage must complete. It contains questions about the risk to be insured and the proposed insured party. The information provided on this form forms the basis of the insurance contract.

Features of a Proposal Form

The following are features of a proposal form:

• It contains specific questions about the risk and the proposer.
• It requires the proposer to declare that the information given is true and complete.
• It must be signed and dated by the proposer.
• It serves as an application for insurance coverage.
• It is usually supplied by the insurance company.

Examples of Details in a Proposal Form

The following are examples of details found in a proposal form:

• Personal details of the proposer (name, address, occupation, date of birth).
• Details of the subject matter of insurance (e.g., type of car, property address, health history).
• Previous insurance history.
• Declaration of material facts.
• Details of beneficiaries (for life assurance).
• Signature and date of the proposer.

Functions and Uses of Proposal Forms

The following are functions and uses of proposal forms:

• It serves as the primary source of information for the insurer to assess the risk.
• It helps the insurer determine the appropriate premium to charge.
• It forms the basis of the insurance contract between the insurer and the insured.
• It ensures that the principle of utmost good faith is observed, as the proposer must disclose all material facts.
• It serves as a legal document in case of disputes.

Insurance Contracts Where Proposal Forms Are Used

Proposal forms are used in various types of insurance contracts, including:

• Fire Insurance
• Burglary Insurance
• Theft Insurance
• Personal Accident Insurance
• Sickness Insurance
• Motor Insurance
• Life Assurance

Teaching Methods/Instructional Techniques

Discussion, Lecture, Demonstration, Question and Answer, Visual Aids

Instructional Procedures

Step 1: Introduction

Time: 5 minutes

Teaching Skill: Set Induction

Teacher’s Activity: The teacher greets the pupils and reviews the previous lesson by asking questions related to the general principles of insurance. The teacher then introduces the new topic, “Insurance Proposal Form,” by asking pupils what documents they think someone needs to fill out when applying for insurance.

Pupils’ Activity: Pupils respond to questions and listen attentively to the introduction of the new topic.

Learning Point: Pupils recall previous knowledge and are prepared for the new lesson.

Step 2: Explanation of Proposal Form

Time: 8 minutes

Teaching Skill: Explanation/Definition

Teacher’s Activity: The teacher explains the meaning of a proposal form, emphasizing its role as an application for insurance. The teacher displays a specimen proposal form and guides pupils to identify it.

Pupils’ Activity: Pupils listen, define the proposal form, and observe the specimen document.

Learning Point: Pupils understand what a proposal form is and recognize a specimen.

Step 3: Discussion of Features of a Proposal Form

Time: 7 minutes

Teaching Skill: Discussion/Analysis

Teacher’s Activity: The teacher guides pupils to identify and discuss the key features of a proposal form using the specimen document. The teacher highlights points like specific questions, declaration, and signature.

Pupils’ Activity: Pupils actively participate in the discussion, identifying features from the specimen form.

Learning Point: Pupils can state and explain the key features of a proposal form.

Step 4: Examples of Details in a Proposal Form

Time: 7 minutes

Teaching Skill: Listing/Illustration

Teacher’s Activity: The teacher lists and explains various details that are typically requested in a proposal form, such as personal information, details of the risk, and previous insurance history. The teacher points these out on the specimen.

Pupils’ Activity: Pupils listen, observe the specimen, and note down examples of details.

Learning Point: Pupils can recall and mention different types of information required in a proposal form.

Step 5: Functions and Uses of Proposal Forms

Time: 6 minutes

Teaching Skill: Explanation/Elaboration

Teacher’s Activity: The teacher explains the functions and uses of proposal forms, emphasizing their importance in risk assessment, premium calculation, and forming the basis of the insurance contract. The teacher relates these functions to the principle of utmost good faith.

Pupils’ Activity: Pupils listen and contribute to the discussion on the importance of proposal forms.

Learning Point: Pupils understand the purposes and significance of proposal forms in insurance.

Step 6: Insurance Contracts Where Proposal Forms Are Used

Time: 5 minutes

Teaching Skill: Categorization/Examples

Teacher’s Activity: The teacher lists and briefly explains common types of insurance contracts where proposal forms are routinely used, such as fire, motor, personal accident, and sickness insurance.

Pupils’ Activity: Pupils listen and mention examples of insurance contracts that require a proposal form.

Learning Point: Pupils can identify various insurance types that use proposal forms.

Step 7: Evaluation/Review

Time: 5 minutes

Teaching Skill: Questioning/Assessment

Teacher’s Activity: The teacher evaluates the learning by asking the following questions:

1. What is a proposal form?
2. State three features of an insurance proposal form.
3. Mention four types of details found in a proposal form.
4. List two functions of a proposal form.
5. Name three insurance contracts where proposal forms are commonly used.

Pupils’ Activity: Pupils answer orally and in writing.

Learning Point: Pupils demonstrate understanding of the lesson.

Step 8: Conclusion

Time: 2 minutes

Teaching Skill: Summarization

Teacher’s Activity: The teacher summarizes the key points of the lesson, reiterating the definition, features, details, functions, and uses of proposal forms. The teacher assigns homework: “Obtain a specimen proposal form and identify its major sections.”

Pupils’ Activity: Pupils listen to the summary and copy down the homework.

Learning Point: Pupils consolidate their learning and have an assignment to reinforce understanding.

Lesson Keywords

• Proposal Form – A document completed by an applicant seeking insurance coverage, providing details about the risk.
• Insurer – The insurance company that provides coverage.
• Proposer – The individual or organization applying for insurance.
• Material Fact – Any fact that would influence an insurer’s decision to accept a risk or set the premium.
• Utmost Good Faith – A principle requiring both parties to an insurance contract to disclose all material facts honestly.

Differentiation

For pupils who grasp concepts quickly, the teacher can challenge them to identify and explain the implications of non-disclosure on a proposal form. For pupils needing more support, the teacher can provide simplified versions of proposal forms or work through a sample form with them in small groups, focusing on key sections.

Note for teachers using this lesson plan

Ensure you have a clear, legible specimen proposal form to show pupils, ideally from a local insurance company. Encourage pupils to ask questions and relate the lesson to real-life scenarios. Emphasize the ethical responsibility of providing accurate information on the form.