23. Regan is 46 and he is seeking retirement advice. He is an experienced investor with considerable equities in his RRSP portfolio. He would like a plan that would allow him to supplement his retirement income when he reaches 67. His marginal tax rate will remain at the top bracket, even after retirement. What kind of product should he purchase and how should he access the cash value when he retires? 0 O Purchase a universal life insurance and leverage the cash value with a collateral loan. Purchase a universal life insurance and access its cash value with a policy loan. Purchase a whole life insurance and access its cash value by policy withdrawal. Purchase a whole life insurance and leverage the cash value with a policy loan,