make certain that her son will

income after her death.

g$.$ Sonja lets her policy lapse. After four years, she

wants to reinstate the policy. Her health is fine.

Explain to Sonja how she can reinstate her life

insurance.

h$.$ Sonja wants to retire and does not want to pay the

premiums on her policy. Indicate the various options

that are available to her.

i$.$ Ten years after the policy was purchased, Sonja is

fired from her job. She is unemployed and is in des$-$

perate need of cash.

j$.$ When Sonja applied for life insurance, she concealed

the fact that she had high blood pressure. She dies

five years later.