Which of the Following Statements About Offer and Acceptance for Insurance

Which of the following statements about offer and acceptance for insurance contracts is true?

A) In property and liability insurance,agents typically do not have the authority to bind coverage.
B) In life insurance,the agent can usually accept an offer by immediately binding coverage.
C) In property insurance,the offer and acceptance are usually in writing but may be oral.
D) In life insurance,completing the application and paying the first premium constitute acceptance of the offer from the insurer.