Which of the following must be disclosed by an insured?

An insured must disclose any existing health conditions affecting coverage because such information is critical for an insurer to accurately assess risk and determine coverage options and premiums. This disclosure allows the insurer to understand the potential health issues that may impact the insured's policy, underwriting decisions, and overall risk management.

Failing to provide this information could result in the insurer denying claims or canceling the policy due to material misrepresentation. The principle of utmost good faith, also known as 'uberrima fides,' requires that both parties in an insurance contract act with complete honesty. Since health conditions directly influence the insurer's ability to evaluate the risk associated with the insured, this makes the requirement to disclose health conditions fundamental in the insurance process.