33. Kevin bought his partnership-qualified LTCI policy 18 months ago. Now his insurer wants to deny one of Kevin's claims and cancel his coverage. To prevail, what must the insurer do? (Search Chapter 8) a. demonstrate criminal intent on Kevin's part ob. show that Kevin made misrepresentation that was both material to the issue of the policy and is related to the medical condition underlying Kevin's need for long-term care Oc. simply show that Kevin made misrepresentation that was material to approval of the coverage Od. prove a historical pattern of such misrepresentation on Kevin's part