Which of the following statements is true about an individual insurance contract? a- A master contract is provided to the employer or a trust. b- The eligibility of the contract is related to the employment period. C- The pricing of the contract is based on the experience of the employee group. d- The employee is issued a certificate of insurance, e. The pricing of the contract is based on the experience of the insurance company. Which of the following life insurance policies is characterized by its flexibility? a Term life insurance b- Whole life insurance Variable life insurance d- Straight life insurance Universal life insurance 0 e