Which of the following is/are Not out of those questions?

Just as with other aspects of personal financial planning, life insurance decision can be made easier by following a step-by-step approach. You will need to answer some questions. Which of the following is/are Not out of those questions?
A. Do you need life insurance?
B. If so, how much life insurance do you need?
C. Which type of life insurance is best?
D. What risk factor can affect the final decision?

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