Answer:
A. They may be oral or written
Explanation:
Option B is correct because it may be altered or withdrawn after the policy issuance. Therefore, it is not the answer.
Option C is also correct because the representations statements are true.
Option D is also appropriate with the representation must be made before the issuance of the policy or at the time of issuance. Therefore, it is not the answer.
Option A is false because it must not need to be written. Therefore, it is the correct answer.
