45 & 46 both, thank u!

45 A type of annuity in which the cash values are invested in securities is called: a) Variable b) Deferred c) Fixed d) Joint and Survivorship 46 If an applicant for the insurance submits a completed application to a producer without paying the first premium, coverage becomes effective when the: a) Producer accepts the application b) Applicant successfully completes the medical examination c) Insurer approves the application d) Policy is delivered and the premium paid