54. Life settlements between a policyowner and a life settlement provider are negotiated through:

a) a life settlement purchaser.

b) a life settlement licensee

c) a registered investment advisor.

d) an independent investor.

68. When delivering a life insurance policy, a producer's responsibilities may include all of the following EXCEPT:

a) Explaining a non-standard rating

b) Reviewing policy riders

c) Collecting the premium payment

d) Cashing the insured's premium check

85. What activity would be considered an unfair claims settlement practice?

a) Denying information requested by the insured regarding the coverage under which a claim payment was made

b) Failing to promptly settle a claim where liability is in dispute

c) Making a good faith assignment of the degree of comparative negligence

d) Denying a claim with a reasonable explanation of the policy basis for denial