(PE-3-108) LIFE Four life insurance clients passed away recently. The claims' examiner is assessing each claim Which one of the following claims is most likely to be denied? Possible Answers: Scott's claim, because five years ago, he lied on the application by stating that he was a non-smoker when in fact he was a smoker. Marcus's claim, because he resides in Ontario and died in a car accident in Quebec. He did not advise the insurer that he occasionally visits his out-of-province girlfriend. Joel's claim, because he died in a car accident that resulted from his own careless driving. Bradley's claim, because he indicated on the application that he had had surgery on October 12th when in reality the surgery took place on October 22nd