ch of the following permanent life insurance products would best suit Danielle's needs? (A) Term to 100. (B) Universal life. (C) Whole life non-participating. (D) Whole life participating. 8. Joseph and Maria are in their late twenties and newly married. Joseph works as a junior tool and die maker at a small machine shop in the outskirts of Windsor, Ontario. Maria is expecting their first child in a couple of months and does some babysitting for the neighbourhood children. Their annual household income is $40,000; disposable funds are scarce. Joseph is considering the purchase of life insurance on his own life and has contacted Melvin Smith, a financial advisor. Which type of life insurance product is likely to be the most suitable for Joseph in his/their present situation? (A) Participating whole life insurance. (B) Non-participating whole life insurance. (C) Universal life insurance. (D) Guaranteed convertible and renewable term life insurance. 9. Under which of the following circumstances might an insurer decline a death claim under a life insurance policy? Focal