Manager, Ricardo is discussing with agent Marco, the need for his awareness of change since the signature of the application. He explains to Marco that the provincial insurance acts have specific requirements that must be met before a contract of life or A\&s insurance is legally in force. Which of the following is a requirement of the acts? Select one: a. Neither the financial situation of the insured nor the health of the life insured under the contract has changed between the time of application and the time of the policy delivery. b. The initial premium payment has not been made by the policyholder but the contract has been approved hence the policy is in force. c. The issued contract does not have to be delivered to the policy holder personally. d. Once the policy has been approved and issued, the client has to accept the policy