25. A person is trying to decide between buying term life insurance and whole life insurance when someone suggests that he consider buying a universal life policy. What is an advantage of universal life that attracts many people to this financial product? a. It k considered the most flexible type of life insurance because it combines the ability to accumulate savings and extend the policy's term b. It is less expensive than other forms of life insurance. c. It pays the insured person the full-face value of the policy even if the person lives beyond the term of the policy d. It can help a person pay off other debts by cashing in the policy for its full-face value after five years