D Question 24 When would a No-Lapse Universal Life Policy be best indicated for a client? O When the client wants to use the policy as a cash reserve for future loans or distributions O When the client needs short-term protection When the client is younger and future needs are not well known O When liquidity at death is the paramount goal of the client Question 25 Which of the following are possible uses for annuities? (1) Provide lifetime retirement income (2) Avoid probate Q Search K hp myhp