Life insurance policies have different characteristics. For each of the following, identify the life insurance policy that meets the description:

a. A policy where the face amount of insurance in- creases if the investment results are favorable

b. A policy that can be used to insure the human life value of an individual, age 35, at the lowest possi- ble annual premium

c. A policy that permits the policyowner to determine how the premiums are to be invested

d. A policy that allows cash withdrawals for a down payment on a home or payment of college tuition for the children

e. A policy that is sold to insureds whose mortality experience is expected to be lower than average . A policy in which premiums are lower for the first three to five years and higher thereafter, which may appeal to insureds whose incomes are expected to increase g. A policy designed to pay estate taxes upon the death of the last surviving spouse