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__________ is a significant factor in health insurance underwriting because of the possibility of malingering - and it is the agent who actually has personal contact with the applicant. It is the responsibility of the agent to ask the applicant questions clearly and precisely and to record the answers accurately.

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1. __________ is a significant factor in health insurance underwriting because of the possibility of malingering - and it is the agent who actually has personal contact with the applicant. It is the responsibility of the agent to ask the applicant questions clearly and precisely and to record the answers accurately.





 
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