An insurer or an insurance intermediary shall, pursuant to the Directive and notwithstanding Articles 4 and 308b(1) of the Directive, in relation to life assurance, provide to a client -

(a) before the conclusion of a policy of insurance, the information specified in Article 185(2)(a), (b) and (c), Article 185(3) and Article 185(4) of the Directive, and, additionally, in respect of an insurer holding an authorisation granted pursuant to the Directive, the information specified in Article 185(2)(d) of the Directive,

(b) during the term of a policy of insurance, the information specified in Article 185(5)(a), (b), (c) and (d) of the Directive,