Which product best suits the following description? "The cash value may go up or down without any guarantee" Select one: Ordinary life insurance O b. Universal life insurance Oc Term life insurance O d. Unit-linked life insurance O 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 Oc 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 Universal life insurance O b. Ordinary life insurance OC Term life insurance O d. Endowment O e Unit-linked life insurance