1. Dave Sampson is a social smoker. Since he only smokes occasionally, he would like to omit this information from his life insurance application. Advise Dave on this course of action.
2. Regarding Brad's auto insurance decision, comment on the following:
a. His plan to add different types of coverage to his auto insurance policy.
b. The associated costs of adding different types of coverage to his auto insurance policy.
c. Any resulting negative consequences of switching to a more inexpensive auto insurance company.
d. Any other factors Brad should consider before switching insurance companies.