An insurance agent took a life insurance application and payment from a customer and submitted it to the insurance company. The insurance company approved the application as submitted and sent the policy to the agent to deliver to the customer. The agent delivered the policy to the customer, who confirmed their status had not changed and signed the delivery receipt.

1. Life insurance agent Auggy took a life insurance application from Karen, along with a first
premium cheque, and submitted them to his sponsoring insurance company. The insurances
companys underwriting department approved and issued the contract as applied for and sent it to
Auggy to deliver to Karen. Auggy took the policy to Karen, who confirmed that her status had
not changed since the date of application and signed the delivery receipt.