9. Your company would like to sell insurance in other states. As chief operations officer for the company, what should you advise the company to do before beginning operations? a. write to the Federal Trade Commission for permission to do business in the desired state(s) b. write to the Director of the Federal Emergency Management Agency (FEMA), which directs the operation of the Federal insurance Agency, for permission to do business in the desired state(s) c. get a multistate license from the Federal Insurance Administrator d. get a license from the state(s) where the company wants to do business 10. Rafe, an insurance agent, is trying to convince Hartwell to cancel his current policy with another insurer in favor of one that he is selling. Rafe refers to an older, and much more restrictive, version of the customer's policy when comparing the coverage provided by the two policies. Which type of sales technique is Rafe using? a. tebating b. twisting c. turning d. crimping