Which of the following would not be a reason to consider giving an existing life insurance policy to charity? 1. If the donor is terminally ill and knows the charity will surrender the policy for its cash value 2. If the donor bought too much insurance for actual or current needs 3. If the donor bought insurance for children who are no longer dependent 4. If the donor bought insurance for a buy-sell agreement that is no longer needed 5. If the donor does not need the cash value in the life insurance policy