31 Michael bought a $100,000 face value critical illness (CI) policy. It was a 10-condition policy with coverage until age 100. Michael had kidney failure five years ago and received a $100,000 benefit. He was the lucky recipient of a healthy kidney and fully recovered. Michael also had a heart attack last month and has managed to survive 30 days. How would most policies have dealt with this case? utot Select one: a. After the first successful claim, the policy would have expired. b. The second claim would have been covered providing he had kept the policy in force and was not over the age of 100. c. The policy would have paid the benefit each time the insured was diagnosed with a covered liness and survived the waiting period. d. The second claim would have been considered if the initial claim was for less than $100,000 n29 Danny has zero earned income this year and as such does not owe any income tax. Which of the following statements regarding refundable and non-refundable tax credits is most accurate? d out of Select one: a. A non-refundable tax credit would be of no use to him. b. A refundable tax credit would be of no use to him. c. Tax credits can be used to offset other taxes such as sales tax, so he would still benefit from both types of credits. d. Since he owes no taxes, neither a refundable nor non-refundable tax credit would be of any use to him