A client has missed her premium payment on her cash value policy, and the grace period has also lapsed. The policy is still in force because her insurer has been deducting the cost of the premium from her cash value. What provision allows this?

For communication to be effective, which of the following is necessary?

a. Marketers should use televised instead of print communication. b. Marketing managers must ensure a proper match between the message to be conveyed and the target market's attitudes and ideas. c. All steps of the communications process model must take place. d. Marketing managers should use both interpersonal and mass communications.

A holder of a life estate has which of the following duties?

A) Keep the property in repair B) Pay the property taxes on the property C) Both A and B D) Neither A nor B