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A client applied for a term life policy with her agent, Jake. Jake then sent the application to the insurance company. Over the following several

A client applied for a term life policy with her agent, Jake.  Jake then sent the application to the insurance company.  Over the following several days the insurance company underwrote the application and approved it.  Jake then met with his client and delivered the policy, at which time Jake obtained a cheque for the premium payment and confirmed that there had been no changes to the client's health or lifestyle.  Given this scenario which of the following would constitute the insurance company’s offer to insure the client?

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