Which of the Following Best Describes the Insured's Duty to Disclose

Which of the following best describes the insured's duty to disclose information to the insurer?

A) The insured must disclose all material information on the application and fully and truthfully answer any questions.
B) The insured must fully and truthfully answer any questions.
C) The insured must disclose all information on the application and answer only relevant questions to the best of his or her ability.
D) The insured must disclose all information on the application and fully and truthfully answer any questions.
E) The insured must disclose all material information on the application.