The only stimulus that can be totally controlled by a retailer is a commercial cue

All of the following needs to be included on an application for life insurance except:

A. Life Insurance with other insurers B. The agent's statement, if applicable C. Signatures of the agent, proposed insured, and the owner D. Disability income insurance

When insureds engage in a pooling of risk,

A) each individual experiences an increase in his or her total risk. B) the individual risk accompanying future uncertain events is decreased. C) they can reduce the total losses of the insureds. D) total premiums will be less than total losses.