Doctrine of Uberrima fidei requires full disclosure; nondisclosure that induced the contract permits insurer to avoid it. The doctrine of uberrima fidei requires the insured to disclose all facts material to the insurer's appraisal of risk that are known or deemed known to the insured but not to the insurer; material non disclosure that induced the insurer to enter the contract on the relevant terms permits the insurer to avoid the policy, reflecting the mutual obligations of trust and good faith in the insurer-insured relationship.