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Question 1 of 10
A POSP is selling a health policy to a 45-year-old diabetic. To avoid a mis-selling allegation later, what is the agent's most important duty at the point of sale?
Sell a term life plan instead since health cover is unavailable
Clearly disclose that pre-existing diabetes carries a waiting period and record it in the proposal form
Advise the customer to hide the diabetes so the policy is issued quickly
Promise that all diabetes-related claims will be paid from day one