APPROPRIATENESS OF ARIABLE LIFE INSU- RANCE. While at lunch with a group of coworkers, one of your

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APPROPRIATENESS OF ARIABLE LIFE INSU- RANCE. While at lunch with a group of coworkers, one of your friends mentions that he plans to buy a variable life insurance policy because it provides a good annual return and is a good way to build savings for his five-year-old's college education. Another colleague says that she's adding coverage through the group plan's additional insurance option. What advice would you give them? L01

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