A.Affordability approach

B.Return of Investment approach

C.Human Life Value approach

D.Needs approach

A.Waives premiums on a Juvenile policy if the policyowner becomes totally disabled or dies.

B.Increases the value of the policy if the policyowner dies.

C.Waives policy premiums if the insured becomes totally disabled.

D.Pays a monthly income to the policyowner if the insured is totally disabled.

A.accumulate without interest.

B.purchase additional insurance protection.

C.be paid to the policyowner in cash.

D.reduce the policy premium.

A.It requires only one payment to make the policy paid up.

B.It waives one future premium if the owner becomes disabled.

C.It requires the policyowner to pay one premium annually.

D.It provides for only one premium to be paid without evidence of insurability.

A.Level term insurance.

B.Increasing term insurance.

C.Decreasing term insurance.

D.Variable life insurance.