134In the second place, having regard to the fundamental importance which the communication of clear, accurate and comprehensible information about the essential characteristics of the assets underlying a group unit-linked contract has in enabling a consumer who intends to accede to that contract to make a properly informed choice of the insurance product which best meets his or her needs, as emphasised in paragraphs 96 to 101 of the present judgment, and given the requirement, stated in recital 10 of Directive 2005/29, to provide protection for consumers in connection with complex products with high levels of risk to consumers, such as certain financial services products, a failure to communicate that information, hiding it or providing it in an unclear, unintelligible, ambiguous or untimely manner would seem likely to cause the consumer to take a transactional decision that he or she would not have taken otherwise.
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