Question 23 and Kako un estimator with a local construction company. When he started with the company, he met with the owner's financial planner and obtained a life insurance polly Kit was 25 at the time Ten years later, Kind decided to go sailing down in South America with a friend. They were cupt in very strong storm and never came back. There was never any confirmation that it and his friend died at sea, but the families have come to accept that they are unlikely to have survived. A year and a half later, Kirk's wife found a copy of his life insurance policy. How would the insurer deal with her claim? Ost The insurer would not pay out the death benefit as sailing in South America would be considered a hazardous activity Let Me insurer would not pay out the death benefit fat least not yet), as there is no office confirmation that Kirk is deceased. Os The insurer would pay out the death benefit , as it can simply be assumed that Kot ded pven that he never rehmed hame Od The insurer would pay out the death benefit, as it has been over a year since Kit has been gone