When someone other than the insured is the owner of a life insurance policy, the owner may do all of the following without the insured’s consent, EXCEPT:

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When someone other than the insured is the owner of a life insurance policy, the owner may do all of the following without the insured’s consent, EXCEPT:

A Surrender the policy for its cash value

B Increase the amount of insurance

C Make a policy loan

D Change the beneficiary

Answer: B

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