19-Annuities exist a-to both accumulate a sum of money and distribute a lifetime income b-accumulate a sum of money c-distribute a lifetime income d-neither accumulate a sum of money nor distribute a lifetime income 20. Sameera has a total of $20,000 loan and interest outstanding against her $100,000 policy . The policy has a double indemnity rider . Sameera had died naturally , how much will the policy pay ? $ 180,000 $ 80,000 $ 190,000 $ 100,000 21-Social insurance benefits are based on social adequacy rather than individual equity. True False