7. What kind of life insurance should be recommended for a client with a permanent need for life insurance, a desire for increased returns on investments, and a high risk tolerance? (A) (B) Term life Whole life Universal life Variable universal life 8. Ted Stevens wants to obtain life insurance to provide income for his wife and children in the event of his death. Ted is 28 years of age and has little income available for buying life insurance. What kind of life insurance is most appropriate for Ted? (A) (B) (0) Participating whole life Term life Variable universal life Universal life