Which product best suits the following description? "The cash value may go up or down without any guarantee" Select one: a. Ordinary life insurance O b. Universal life insurance O c. Term life insurance O d. Unit-linked life insurance e. None of the above Which of the following insurance is commonly used to hedge against estate tax? Select one: O a. Preferred risk life insurance O b. Group life insurance O c. Second-to-die life insurance O d. Endowment Oe. None of the above For the same face amount of insurance, which of the following products has the cheapest insurance premium? Select one: O a. Unit-linked life insurance O b. Universal life insurance Oc. Term life insurance O d. Endowment O e. Ordinary life insurance