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5. Suppose that you're selling life insurance, and a 40-year-old male nonsmoker asks you for a quote on a $1 million policy for the next

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5. Suppose that you're selling life insurance, and a 40-year-old male nonsmoker asks you for a quote on a $1 million policy for the next 10 years. Your coworker suggests that the rate should be based on the death rates of male nonsmokers in their 40s in the general population. Is this the most appropriate suggestion? Why or why not? Explain your answer in detail

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