1-At what age can a surviving spouse who is not disabled start receiving survivor benefits if the deceased was fully insured ? 67 62 65 60 2-All of the following are used to estimate the amount of life insurance needed except : A-All of the mentioned choices are valid models B-Net present value approach c-Needs approach d-Human life value approach 5-The conversion privilege allows the insured to continue group coverage without A- filling out an application B-providing proof of termination of employment c- paying individual premiums O providing evidence of insurability