Which of the following best describes term life insurance?
a. the insured pays the premium until his or her death.
b. the insured pays a premium for a specified number of years.
c. the insured is covered during his or her entire lifetime.
d. the insured can borrow or collect the cash value of the policy.

congress also has implied powers, which derive from the necessary and proper clause of the constitution and permit congress "to make all laws which shall be necessary and proper for carrying into execution the foregoing powers, and all other powers vested by this constitution in the government of the united states.