Olivia purchased a participating policy last year. She has yet to receive a policy dividend. She is unsure of what circumstances would likely result in a dividend being paid. Which of the following would most likely contribute to a policy dividend? Select one: a. The mortality rate was higher than projected b. More people died that what was expected. C. Investment returns were lower than expected. d. The administrative expenses were less than what the insurer anticipated. Which of the following individuals would least likely qualify for key person insurance? Select one: a. Rick, who owns a small business that employs a total of five people. Rick owns 75% of the business. His contributions are vital to its success b. Joshua, who is an employee of a small-sized company that specializes in internet marketing, Joshua is the head of the IT department c. Gabby, who is part-owner in a small company. She owns one-third of the company's voting shares, Gabby is the company's best-producing account manager. d. Sally, who works for a marketing firm. She has single-handedly acquired 65% of the total accounts that the firm has