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S is close to retiring and would like to purchase a policy that will yield greater gains than bonds, but will still protect the principal with a minimum level or risk. Which product would S be advised to purchase? Equity index insurance Endowment Graded whole life policy Return of premium policy

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S is close to retiring and would like to purchase a policy that will yield greater gains than bonds, but will still protect the principal with a minimum level or risk. Which product would S be advised to purchase? 
Equity index insurance
Endowment
Graded whole life policy
Return of premium policy

 
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