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The KAI Insurance Company wants to offer new insurance policies for outdoor plants, basic life insurance on a new plant bought at a garden store. If the plant dies within 2 years of purchase, Green Insurance will pay for a replacement plant. The premium is based on the purchase price of each plant.
a. Can the garden store sell this insurance? Discuss.

b. KAI Insurance would like to offer some discounts to garden shoppers who are in the store’s Preferred Gardener Club? Discuss how this could be done, or if it is prohibited.

c. KAI Insurance would also like to sell this insurance directly to consumers. Discuss the best distribution channel(s) for this insurance.