20. Which of the following is true for John if he purchases additional life insurance through his employer? a. Few exclusions are associated with these types of policies. 13. Because most group term policies have a conversion feature, he can he assured that upon termination of employment he can continue his coverage. c. He can tailor the coverage to his own needs. d. All of the above are true. Discussion Points and Questions 1. Briefly summarize the relevant facts of the case relating to insurance planning. 2. If the Butterfields were going to purchase additional life insurance, what type of policy, what face value, and what riders would he most appropriate given their ages and needs? 3. Explain the advantages and disadvantages of having John purchase additional life insurance through his employer