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Which of the following is true of beneficiaries in disability insurance policies? 1. There are no beneficiaries; Disability insurance is only designed to help disabled

Which of the following is true of beneficiaries in disability insurance policies? 1. There are no beneficiaries; Disability insurance is only designed to help disabled policy holders. 2. In disability insurance policies, the policy owner is always the beneficiary. 3. Including a beneficiary is an optional policy provision. 4. Including a beneficiary is a mandatory policy provision

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