A term life policy allows the policyholder to vary the maturity of the policy.

Each application for life insurance requires the signature of all of the following EXCEPT

A) the policyowner, if different from the insured B) the agent C) the beneficiary D) the proposed insured"

A preliminary study of a retailer's operations revealed that employees might feel threatened by the retail audit process. What type of audit should be conducted?

a. disguised audit b. audit by company department managers c. audit by outside auditors d. nondisguised audit