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Both pre-need and life insurance investments are subject to market risk since they need to invest their funds and premium payments to make it grow, and to service future claims. However, recall that a pre-need plan has already promised to pay your future cost not matter how much it is (open-ended, making it harder to fulfill).
What if you came into possession a wondrous money-machine, one that prints legitimate Philippine currency. This machine allows you to print as much money as you need. Up to what extent will you protect that machine?