Please explain all answers! Thank you!

Question 1: Ann calculated the future value of the first twenty premiums she will pay under her nonparticipating whole life insurance policy. Then she subtracted the cash value after 20 years. Next, she divided this value by the future value annuity due factor for 20 years to arrive at an annual cost of insurance. Finally, she divided the annual cost by the number of thousands of dollars of life insurance purchased to arrive at the cost per thousand per year. Lynn calculated the

A) traditional net cost per thousand per year.

B) the Linton Yield.

C) the surrender cost per thousand per year.

D) the net payment cost per thousand per year.

Question 2: A client does not want her life insurance policy included in gross estate when she dies. She can remove the life insurance policy from her estate if she does which of the following more than 3 years before she dies?

A) borrow the cash value of the policy

B) make an absolute assignment of the policy to someone else

C) change the beneficiary to someone who does not have insurable interest

D) select a lump sum settlement option and name his estate the beneficiary

Briefly, outline the required process.