Upon acceptance and communication of acceptance, an offer considered to be

All of the following are duties of a workers' compensation adjuster, EXCEPT:

A. Attending the mediation proceedings of disputed claims. B. Setting and maintaining accurate claim reserves C. Conducting arbitration on disputed claims. D. Responding to all requests for information made by the injured employee, employer, & healthcare provider.

Winston, the insured, and his spouse, Irene, his sole beneficiary, both died in a hotel fire. Hospital physicians witnessed that Irene lived at least 2 hours longer than Winston. The life policy had no common disaster clause. Which of the following will receive the policy proceeds?

A) Irene's estate B) Winston's estate C) Winston's secondary beneficiary D) The state"