What is a group term life insurance plan called under which premiums are based, at least in part, on the number of deaths and on the cost to administer the specific employer's actual group?

$($Search Chapter $4).$

a$.$ an illegal plan

b$.$ a credit life insurance plan

c$.$ an experience$-$rated plan

d$.$ an interest$-$sensitive plan

A person usually can keep life insurance death benefit proceeds out of his or her estate if what kind of trust owns the policy?

$($Search Chapter $5)$

a$.$ testamentary trust

b$.$ revocable trust

c$.$ irrevocable trust

d$.$ Totten trust