6. All of the following life insurance observations are true except? a. Based solely on the relative cost of the policy, Onslo should consider using a 1035 exchange procedure to replace the $100,000 whole-life insurance policy. b. The death benet from Onslo's current life insurance policies is less than his calculated life insurance need. c. Term life insurance will provide the Grahams with the maximum amount of coverage for the lowest premium but leave them uninsured at some point in the future. d. Using the nonforfeiture provision in the whole-life insurance policy will result in a decrease in discretionary cash ow