6. Dorothy's life insurance policy entered into effect three years ago. At a social event, her life insurance ogent noticed her smekieg a cigartlo. Sthe vald that she has occasionally smoked cigarillos for five years but did not want to mention it on the life insurance applieation, fearing her premtiumis whald be higher. Being an ethical person, her life insurance agent reported the incident to her insuret. What action may the insurer take? The insurance company can change her status to that of smoket. The insurance company can canced her insurance policy, The insurance company can deny her policy's bencficiary's claim. The insurance company cannot take any action as the information is reported after three years of the policy being in torce