Which of the following is a lawful reason for which an insurance company could refuse to insure an applicant for an individual life insurance policy? a. the applicant's marital status b. previous denial of insurance by another insurer c. the applicant's health history d. the applicant's national origin An Insurers must keep copies of documents that their agents use during sales presentations for how many years following their last authorized use? a. 1 b. 3 c. 7 d. 12