36 Which of the following is true if a group plan has a deductible and a co-insurance factor? ad Select one: a. Insurance plans can include a deductible or co-insurance factor but never both. b. The deductible is applied first, followed by the co-insurance factor. c. You would need to read the master contract to determine which is applied first d. The co-insurance factor is applied first, followed by the deductible stion 35 Which of the following would constitute the end of the underwriting process? et vered ked out of Select one: a. When the approved policy has been given to the agent for delivery. b. When the policy is given to the client. c. When the underwriting decision has been reached. d. When the policy has been approved. Flag stion