URGENT PLEASE HELP AND EXPLAIN ASAP

Meghan is helping her parents understand a life insurance policy they bought 15 years ago. Neither of them can remember what kind of policy they bought, but they do have a document that outlines the policy's provisions. Complicating matters, they know they cannot afford to make next month's premlum payment and are worried they will lose their policy. Based on the table below, what kind of policy do they have, and can they skip a month's payment? Term life insurance: no. Whole life insurance; no. Universal life insurance: yes. Whole life insurance:yes