can you please explain

thank you

Which of the following individuals do not have insurance coverage? a) Dipesh, who has applied for a life insurance policy, signed the application and paid the first premium. His agent will be delivering the policy today. b) Hamish, who has applied for a life insurance policy and signed the application. He has not yet paid the first premium. He has passed all requirements regarding insurability. c) Mohammed, who has a homeowner's policy signed by both himself and the insurer. He has not yet paid the first premium. d) Sammy, who has a homeowner's policy signed by both himself and the insurer. He has paid the first premium