23. Phil is an insurance agent. In the course of his business, he might reasonably consider all of the following to be suspicious activities EXCEPT: O a. A potential life insurance customer repeatedly asks about early surrender charges and the free-look privilege. ob. A life insurance applicant asks to pay a sizeable initial deposit using a third-party check. c. An existing customer asks to change the dividend option of her participating whole life policy to the paid-up additions option. o d. An applicant for life insurance wants to pay the initial $2,500 premium with a cashier's check and future premiums via wire transfer 24. In the course of transacting business, Producer Ellen might reasonably consider all of the following to be suspicious EXCEPT: O a. a request by the owner of a participating whole life policy to change her dividend options b. a request by a life insurance applicant to pay a sizeable initial deposit using a third- party check C. an applicant for a life insurance policy who repeatedly asks about early surrender charges and the free-look privilege o d. an applicant for life insurance who wants to pay the monthly $2,500 premium in money orders