Targeted, personalized messages can be sent to huge audiences with today's technology

Larry sells David some property. The deed from Larry to David contains the following covenants: seisin, quiet enjoyment, against encumbrances and further assurances. Following the transfer, David discovers utility poles on the property, which lead to a nearby transformer. Larry failed to list the utility poles in the deed. Larry's failure to identify these encumbrances violates:

a. the covenant of quiet enjoyment b. the covenant against encumbrances c. the covenant against grantor's acts d. none of the above

An insured has a legal right to borrow an amount up to the face amount of insurance with a whole life policy

Indicate whether the statement is true or false