I need help in exam,,, Please answer the questions in 30 minutes

20. Which of the following is not one of the three major types of life insurance? a. Term life b. whole life, e. credit life d. universal life. 21, Which of the following is true in relation to disability losses? a. females are more likely to become disabled due to sickness than are men. b. disability occurs only when a person is completely incapable of returning to work. c. most disabilities are permanent, d males are more likely to become disabled due to sickness than are women