30) A decreasing term is best used a. When you have a need that will last a lifetime b. When you have a need that declines in the future c. When you have children that are young but may move back in after college d. When you want to pay less in premiums in the future 31) Which of the following policies is the most flexible a. Term Life Insurance b. Whole life Insurance c. Universal Life insurance d. Disability Insurance 32) Generally the policy that provides coverage with no change as long as the insured person makes their premiums is found in which policy a. Whole life insurance b. Universal life insurance C. Term life insurance d. Disability insurance a, 33) If you borrow funds out of a cash value policy you will Have to repay it with interest b. Lessen your death benefit if you don't repay it c. You will be subject to taxes d. Your policy will cease