In an insurance transaction, whom does a licensed agent legally represent?

A) The applicant
B) The insurer
C) The state insurance department
D) The National Association of Insurance Commissioners"

Answer: B) The insurer

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Which of the following would qualify a person for an exemption when computing taxable income?

A) mortgage interest B) a tax shelter C) a dependent D) charitable contributions E) passive income

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A federal administrative agency that proposes to adopt a substantive rule can legally resort to informal rule-making

Indicate whether the statement is true or false

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