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II. Policy riders, provisions, options and exclusions (life) · Policy provisions and options

An owner requests a policy loan and the insurer says it may take up to six months to advance the money. On what basis?

A The insurer must obtain the beneficiary's consent before lending B The loan may not be paid until the next policy anniversary C The policy contains a deferment provision allowing the insurer to delay payment D The insurer must re-underwrite the insured before advancing a loan

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