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How would regulators discover if an insurance purchaser had owned any prior contracts? A) State insurance departments maintain databases of contract ownership. B) Customers must sign a statement to this effect, usually on the application. C) Agents are not permitted to sell to an individual who already owns insurance or annuities D) There is no method. The underwriting department of an insurance con nany receiving an application connected to a 1035 exchange will A) waive its requirement for medical exams if the original contract was less than 2 years old B) not change its underwriting criteria C) change its underwriting criteria if the contestability period on the original policy has expired D) not change its underwriting criteria if the new policy's face amount is not more than that of the original policy