Questions: Which of these contracts fall under replacement regulations? A. Credit life B. Group annuities C. Group life D. Ordinary Life

The answer is D: Ordinary Life.

Explanation for each option:

A. Credit life - This type of insurance is typically used to pay off a borrower's debt if the borrower dies. It is not usually subject to replacement regulations because it is tied to specific loans or credit agreements.

B. Group annuities - These are contracts that provide retirement income to a group of people, often employees of a company. They are not typically subject to replacement regulations as they are part of group benefits.

C. Group life - This insurance is provided to a group of people, usually employees of a company, under a single contract. Like group annuities, it is not typically subject to replacement regulations.

D. Ordinary Life - This is a type of individual life insurance policy that is subject to replacement regulations. Replacement regulations are designed to protect consumers when they are considering replacing an existing life insurance policy with a new one, ensuring they are fully informed of the implications.

In summary, Ordinary Life insurance policies are subject to replacement regulations to protect consumers during the replacement process.