21Article 31(1) of the directive provides to that end that at least the information listed in point A of Annex II must be communicated to the policyholder before the conclusion of the assurance contract and Article 31(2) of the same directive provides that the policyholder must be kept informed throughout the term of the contract of any change concerning the information listed in point B of that annex. Article 31(3) of the same directive provides that the Member State of the commitment may require assurance undertakings to furnish information in addition to that listed in that Annex only if it is necessary for a proper understanding by the policyholder of the essential elements of the commitment.
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