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Bill the producer is collecting the initial premium on a health policy. Which of the following statements is true? The contract is not in force

Bill the producer is collecting the initial premium on a health policy.
Which of the following statements is true?
The contract is not in force without the initial premium being paid
A partial initial premium is acceptable
The insured has no advantage to pay the initial premium at the time of
application
A claim must be honored by the insurer even if an initial premium is not paid

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