7. How does the Universal Life 'transparency' and the Participating Life Dividend three factor contribution formula respond to the life insurance 'buyer ignorance' problem? 8. What life insurance policy pricing financial element does the Whole Life Endowment policy have in common with the Return of Premium Term policy? 9. What is the personal financial planning basis (support) for the Guaranteed Insurability Option, Universal Life Type B Increasing Death Benefit, and Participating Life PUA or Term dividend options. 10. Provide personal financial planning scenarios (one each) for a Second-to-Die and a First-to-Die life insurance policies