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Legally speaking, a producer has a __________ duty when handling life insurance premiums and applications for an insurer. - ANSWER Fiduciary It is the _________ who issues a Certificate of Authority enabling an insurer to conduct insurance business within a particular state. - ANSWER State Insurance Commissioner When an applicant for life insurance faces potential financial loss in the event of injury or sickness of an insured, it is said the applicant has: - ANSWER Insurable in...

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A producer who is acting as an agent is representing: A The insured, the applicant and the beneficiary B Always the insured C The insured and the insurer D Always the insurerD In order to be valid, a contract must be between individuals considered legally able to enter into an agreement. This principle is known as: A Restricted persons B Considerations C Competent parties

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