Departmentalization based on ________ groups jobs on the basis of territory or physical location

A life-only agent issues a binding receipt to his client since the client did include a check for the initial premium with his completed application. Which statement is true?

A. The client is covered during underwriting. B. The agent faces potential suspension or revocation of their license. C. The client is not covered during underwriting since binders only start once underwriting is complete. D. Since the medical exam hasn't been completed yet, the client is not covered at all.

A lawyer who has his/her own practice would be regarded as an independent contractor

Indicate whether the statement is true or false