"If the accident and sickness insurance being applied for is replacing current existing coverage in whole or in part, prescribed procedures have to be followed in order to provide sufficient disclosure for the client to understand whether or not the change recommended is in his best interest." What are the perspectives that the agent will use when comparing the old and new policies? Select one: a. Only a) and b). b. Excluded clauses of disability or critical illness. C. Premiums and covered conditions. d. Riders and other benefits and expiration of coverage.

"If the accident and sickness insurance being applied for is replacing current existing coverage in whole or in part. prescribed procedures have to be followed in order to provide sufficient disclosure for the client to understand whether or not the change recommended is in his best interest." What are the perspectives that the agent will use when comparing the old and new policies? Select one: a. Only a) and b). b. Excluded clauses of disability or critical iliness. c. Premiums and covered conditions. d. Riders and other benefits and expiration of coverage