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Across 2. refunds of excess premiums 6. when the insured borrows the cash reserve of his/her policy 7. a form of life insurance with the lender as a beneficiary 8. provides a speified coverage for a set time 9. public pension available elsewhere in Canada except for Quebec 10. you make the payment as a lump sum 11. the person who will be the eventual recipient of the proceeds of the contract 12. a constant payment for life insurance that doesn't change during the time 13. you make the payments by many installments 14. a way to save for retirement and defer taxes at the same time 15. a combination of term insurance policy and a savings account 16. private pension plans offered by the employer 17. the person who buys an annuity

Down 1. a government income program for seniors 3. private pension plan that specifies the amount employee and employer may give 4. a contract that transform a certain amount of money into an income stream 5. provides life insurance till death at a set rate