${?}_{{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_L\text{i}\text{f}\text{e}\text{i}\text{n}\text{s}\text{u}\text{r}\text{a}\text{n}\text{c}\text{e}\text{h}\text{a}\text{s}\text{l}\text{o}\text{w}\text{e}\text{r}\text{p}\text{r}\text{e}\text{m}\text{i}\text{u}\text{m}\text{s}\text{t}\text{h}\text{a}\text{n}{?}_{?}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}\text{L}\text{i}\text{f}\text{e}\text{i}\text{n}\text{s}\text{u}\text{r}\text{a}\text{n}\text{c}\text{e}in\text{t}\text{h}\text{e}\text{e}\text{a}\text{r}\text{l}\text{i}\text{e}\text{r}\text{y}\text{e}\text{a}\text{r}\text{s}\text{,}\text{b}\text{u}\text{t}\text{m}\text{a}\text{y}\text{b}\text{e}\text{c}\text{o}\text{m}\text{e}\text{m}\text{o}\text{r}\text{e}\text{e}\text{x}\text{p}\text{e}\text{n}\text{s}\text{i}\text{v}\text{e}as\text{t}\text{h}\text{e}\text{p}\text{o}\text{l}\text{i}\text{c}\text{y}\text{r}\text{e}\text{n}\text{e}\text{w}\text{s}\text{.}}$

$-$Single Premium; Term

$-$Permanent; Single Premium

$-$Permanent; Term

$-$Term; Permanent

The Payor Rider waives premiums $if$ the ${?}_{?}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_{{?}_{?}}{?}_b$ecomes disabled.

$-$Purchaser

$-$Insured

$-$Additional Insured

$-$Either the purchaser $or$ the insured

For a Life insurance policy, which $of$ the following best describes the term $beneficiary?$

$-$Transfer $of$ part $or$ all $of$ the ownership rights $to$ a third party.

$-$Refunds $of$ excess premiums charged that may $be$ returned $to$ policy owners.

$-$The person $or$ entity $to$ which the proceeds $of$ a life insurance policy are paid when the insured dies.

$-$A policy may $be$ owned $by$ the insured $orby$ someone other than the insured.