1. All of the following require a policy holder to make a fixed or increasing premium payment, except:
   1. Term Life
   2. Whole Life
   3. Variable Life
   4. Universal Life

2. Which of the following is not a methodology used to determine the amount of necessary life insurance?
   1. The Human Life Value Approach
   2. The Needs-Based Analysis
   3. The Ways and Means Method
   4. The Capital Retention Approach
   5. The Income Retention Method