Your client has had cancer treatments out of the country. The cancer is currently in remission and he looks healthy. The client says he would prefer not to disclose his cancer diagnosis on his life insurance application because it will make his premiums too high. What should you do? a. Tell the client it is OK not to disclose the diagnosis since treatment did not take place in the United States. b. Tell the client he will have to disclose the information because it is material. c. Suggest that the client disclose the diagnosis, but since he's the one signing the application, you do not have to insist on the disclosure. d. Since a commission is at stake, leave the room while the client completes the application and do not read it when he is finished. Melodie is covered under a disability income insurance policy. She falls at night in a parking lot that lacks proper maintenance and lighting. She suffers back and neck injuries, and her insurance coverage is activated. However, she seems to be claiming pain for a period longer than her doctors believe is normal, and she rejects returning to work. Melodie may be: a. loafing b. malingering c. meandering d. mooching A man is found dead and his daughter, the named beneficiary under his life insurance policy, has been convicted of his murder. Will the daughter be able to collect the death benefit? a. Yes, the insurance policy is a legal and binding contract. b. Yes, her involvement in the death is not relative to the death benefit. c. Yes, she can collect if no other beneficiaries are named. d. No, the death benefit cannot be paid to a beneficiary who deliberately plans and/or carries out an insured's death