Please answer both question if you can. I would greatly appreciate it.

40) Discuss the difference in term, whole, and universal life insurance. 41) Discuss some insurance options (life, car, home, umbrella) that you would consider given that you are in your 30s married with two (2) children have a home with a mortgage, two pieces of rental property, and two cars (both with small loans still on the cars). Again please take this information and develop some insurance strategies given what we discussed in class