\ Ethics) Question 30 paind) Brent and Gal were approached by an acquaintance who happens to be an insurance serat. After a fact-finding session, it became apparent that the couple didn't need a large policy on their own lives, pay the premium for a year and then assign the paly to firm that would in exchange, provide an attractive lump sum of money. However, the agent failed to tell them that in recent years, this type of policy asajerment has been deemed invalid by most Canadian insurance companies. What makes these policy assignments invalid? O al Lite insureds like Brent and Gail don't have the right to assign a policy. O Policyholders must own their policy for at least two years before they can assign Od the third-party buyer doesn't have an insurable interest in the life insureds. O Successor policyholders only come to own a policy after the original owners death