Fraud in the factum occurs if a person is deceived as to the nature of his or her act and does not know what he or she is signing

Neal Murphy sells his company's unique gift items on television programs and entire channels dedicated to selling goods and services. Neal is using ________.

A) direct-response television advertising B) Internet-based infomercials C) B2B online marketing D) prime-time selling E) vodcasting

A term insurance policy that includes a conversion privilege gives the insured the right to:

A) renew the policy for another time period of the same length B) exchange the term policy for a permanent plan of insurance C) increase or decrease the death benefit D) include the nonforfeiture provision in the policy