Opinion of Advocate General Bobek delivered on 2 September 2021.#A v O and G.W. and E..S. v A. Towarzystwo Ubezpieczeń Życie S.A.#Requests for a preliminary ruling from the Sąd Rejonowy dla Warszawy-Woli w Warszawie.#Reference for a preliminary ruling – Freedom to provide services – Direct life assurance – ‘Unit-linked’ open-ended group endowment and life assurance contracts – Directive 2002/83/EC – Article 36 – Directive 2002/92/EC – Article 12(3) – Pre-contractual information disclosure – Information as to the nature of the underlying assets of ‘unit-linked’ assurance contracts – Field of application – Scope – Directive 2005/29/EC – Article 7 – Unfair commercial practices – Misleading omission.#Joined Cases C-143/20 and C-213/20.