如实告知(Disclosure)：要求投保人在投保时应将与保险有关的重要事项(Material facts)告知保险人的一项保险法律原则。指投保人的陈述应当全面、真实、客观，不得隐瞒或故意不回答，也不得编造虚假情况用来欺骗保险人。
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最大诚信原则对投保人的要求主要是如实告知与履行保证。
There are special requirement on both parties: truth disclosure and performance warranty for insurant, while waiver and estopple for insurer.
因而，对于如实告知义务的规定也就成了保险法的一项重要内容。
So, it is an important system of insurance law how to prescribe informing obligation.
最大诚信原则适用于各种保险，如某人要投保人寿险，他要如实告知其身体状况。
Utmost good faith applies to all kind of insurance. If a person wants to insure against life insurance, he has to tell the insurance company about his real state of health.
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