32. If an insured person still has her ex-husband named as the beneficiary of her life insurance policy, instead of her current husband, but she dies ten years after the divorce, without having taken any further steps, with respect to the change of the policy beneficiary. Even though, the insured person had told her current husband that he would receive her life insurance benefits, but since the life insurance was provided through her employment, she had never changed the beneficiary. The insurance company must pay the proceeds of the policy to: a. the former husband b. the current husband c. the children of the first marriage d. the children of the second marriage e. c and d 33. If an employee works for a business that employs over 400 people, and all of these employees are at will employees, the employer fires Dusty Roads, because he is a smoker, this is a violation of: Civil Rights Act American with Disability Act Age Discrimination Act Employees Rights Act none of the above 9519.65 34. A third person dealing with an agent should determine the extent of the agent's authority by: a. contacting a neutral individual who has had business dealings with both the agent and the principal asking the agent asking the principal contacting the Better Business Bureau none of the above sneer: 35. An agent making a proper contract with a third person on behalf of a disclosed principal: a. has no personal liability on the contract. b. is liable only to the principal on the contract. c. is liable only to the third party on the contract. d. is personally liable to both the principal and the third person. e. none of the above 36. An employee that only has the authority to use the employer's credit card for business expenses has what kind of relationship? a. Universal agent b. General agent c. Special agent d. Independent contractor e. None of the above