Question 16 (4 points) Exodus Life Insurance Company insures both smokers and nonsmokers. Ashlynn lied on her life insurance application, checking the box for "no" in response to the question of whether she smokes cigarettes or uses other tobacco products. Even though Ashlynn smokes 10 to 15 cigarettes a day, the policy was issued at the "preferred nonsmoker" rate. Ashlynn's lie is "material" in this case because of which of the following? (Check all that apply.) the policy would have been issued for a higher face value if the insurer knew the true facts it was given with the intent to deceive the policy would have been issued on different terms if the insurer knew the true facts it was in writing on the application