37 Under what basis is a false representation grounds for an insurer to rescind an insurance contract? if the falsity is determined before the contract is issued if the representation is expressly warranted if the misrepresentation is material at any time, for any reason Question 38 Rhonda's parents bought her a car for her sixteenth birthday and made her responsible for maintaining and insuring it. However, when Rhonda applied for auto insurance after getting her driver's license, she was told that she could not enter into a binding insurance contract because, according to the law in her state, a 16-year-old does not qualify as a(n): offeree offeror designated driver competent party Question 39 What is a producer's primary duty to a client? selling an insurance policy presenting all available product options and letting the client choose the best one placing the client's interest first recommending the products of the best insurance company