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Which of the following acts is considered to be an unfair claim practice? a. making a material misrepresentation to an insured b. paying life insurance

Which of the following acts is considered to be an unfair claim practice?

a. making a material misrepresentation to an insured

b. paying life insurance proceeds to a beneficiary within ten days after receipt of claim

c. providing a reasonable explanation of nonpayment of a claim

d. altering an application with an insured's initials

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