Only about 39 percent of labor agreements contain provisions for dismissal or "severance" pay

For situations where no initial premium was paid when the application was taken, when delivering that policy the agent is generally required to do all of the following EXCEPT

A) collect any premium due B) present the insured with a conditional receipt C) obtain a statement of good health from the insured D) explain the policy, its provisions, and any riders, exclusions, or ratings involved"

Compared to a direct marketing channel, an indirect marketing channel has lower margins and also, lower costs of marketing and channel management

Indicate whether the statement is true or false