The asnwer is most likely malware
Answer:
Non-partisan democracy
Explanation:
This type of system is used in some countries when the head of state is designated by inheritance or appointed directly by the sitting head of state. Some even have elections but without making any reference to a political party. Examples of this kind of democracy are the Persian Gulf states such as Oman and Kuwait. These countries even have a type of Congress or Legislature, but their role is merely as advisers. They are not able to create laws or pass bills, they can only be advisers of laws passed by the executive branch.
Explanation:
In the context it is given that the insurer of the insurance company sends back the applicants rated policy with a rider which is impaired.
A rated policy is defined as that insurance policy which is applicable to that person who have less than the average health. In rated policy the premium is considerable more than the standard insurance policy.
Now the producer of the sent back rated policy should explain the issue to the applicant that the premium to be paid should be more and then collect the additional premium amount from the applicant.
