John Is an Agent Who Works on Commission for the PERP

John is an agent who works on commission for the PERP Life Insurance company.When he was filling in a proposal form for Inoke,who was illiterate,John deliberately wrote down false answers about Inoke's health to make sure he got his commission.Inoke did not realise John had provided false answers.Which of the following statements is true?

A) The insurer is obliged to pay any claim because it is deemed to have known the answers were false.
B) If the insurer finds out before Inoke makes a claim it can cancel the policy.
C) The insurer does not have to pay any claim by Inoke because John was not an employee.Inoke must sue John for compensation.
D) The insurer does not have to pay.John was an agent for Inoke and what he has done is deemed to have also been done by Inoke.