"For a waiver of premium rider to become operative, the insured must be

Which of the following stages of the family life cycle best describes older married couples whose children do not live with them, and the head(s) have retired?

A) Full nest I B) Full nest II C) Empty nest I D) Empty nest II

Trusts

A) can have the trustor and grantor as one. B) can be established at death. C) are legal arrangements. D) All of the above.