During a busy month of new sales activity, agent Hotshot Hutchinson lets a number of policies for delivery accumulate in the office. All of the policies are subject to a temporary insurance agreement. What might be the danger of this practice for the client? (a) Some client might die and the insurers always deny liability in such cases (b) The insurer may require agent delivery to ensure there has been no change in the life insureds health. If this is the case, the insurance will not come into force and litigation can be expected if someone dies (c) In case of a fire in the agents office, the policies will all have to be reapplied for and there will be no coverage until the policy applications are underwritten again (d) If a life insured person dies, the insurer will not be liable for the proceeds, but a provision in the Life Insurance Act makes the agent liable for the full face amount of the policy?