25For the purpose of achieving that information objective specified in recital 23 in the preamble to the third life assurance directive, Article 31(1) of that directive, read in conjunction with point (a)13 of Annex II to the directive, provided that ‘at least’ the ‘[a]rrangements for application of the cooling-off period’ should be communicated to the policy-holder, and that ‘[b]efore the … contract is concluded’. It was therefore clear from both the background and the wording of the relevant provisions of the third life assurance directive that it sought to ensure that the policy-holder receive precise information concerning, inter alia, his right of cancellation.
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