Ann Parks and Robert Evans Jointly Own a Grocery Store

Multiple Choice

Ann Parks and Robert Evans jointly own a grocery store.Ann and Robert are both named insureds on the property insurance covering the store,but Ann is the first named insured.Which of the following statements is true with regard to Ann's status as the first named insured?

A) Any loss settlement is paid to Ann only.
B) Ann is responsible for making sure that the premium has been paid.
C) Ann can assign the policy without the consent of the insurer.
D) Ann can waive policy conditions.