predetermined amount on an applicant assessed by the life agent as a standard rate at the time the applicationin completion. All of the following are true about TiA's exsent: Select one: a. TIA's require premium payment. b. ThA's cover all the products issued by tifeansurance companies. C. TIA's may not be issued beyond a certain age d. The underwriter can get off risk if undisclosed negative information about the life to be insured surfaces