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N is a student pilot with a large life insurance policy. Which of these features would limit the insurer’s obligation in the event N was killed while flying as a student pilot? Misrepresentation Exclusion Collateral assignment Concealment

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N is a student pilot with a large life insurance policy. Which of these features would limit the insurer’s obligation in the event N was killed while flying as a student pilot?
Misrepresentation
Exclusion
Collateral assignment
Concealment

 
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