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Two groups of policies, each consisting of 1,000 policies, are issued at the same time to groups of the same age, sex, and non-tobacco use.

Two groups of policies, each consisting of 1,000 policies, are issued at the same time to groups of the same age, sex, and non-tobacco use. One group consists of single premium participating whole life policies and the other of 20 pay participating whole life policies. If mortality is less than anticipated, which group will show the largest mortality savings?

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