Customs duties decrease the total amount of a good's production cost

Tammy owns a participating whole life insurance policy for which she has elected the paid-up additions option. If the insurer declares a dividend of $500 in the current year, how will this amount be used with this dividend option?

A) The insurer adds a paid-up unit of whole life insurance with a cash value that is equal to $500. B) The insurer adds a paid-up unit of whole life insurance with a $500 face amount to Tammy's base policy. C) The insurer adds $500 to the face amount of Tammy's base policy. D) The insured uses the $500 as if it were a single premium to purchase a unit of paid-up whole life insurance based on Tammy's attained age."

Which is best to use when selecting a clustering procedure: hierarchical or nonhierarchical clustering?

What will be an ideal response?