insurance test

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Across
  1. 2. Life flexible premiums, insurer-set interest growth
  2. 4. Paid-Up nonforfeiture option buying smaller permanent policy with cash value
  3. 6. Privilege term policy feature allowing switch to permanent coverage without exam
  4. 8. Term nonforfeiture option buying term insurance with same face amount using cash value
  5. 9. of Monthly Deduction rider waiving monthly insurance cost in UL
Down
  1. 1. Clause contract clause representing exchange of value
  2. 3. Premium dividend option lowering next premium due
  3. 5. Life fixed premiums, guaranteed cash value, and level death benefit for life
  4. 7. Contract Clause clause stating policy and application form complete contract