In this task you will be given a passage and a yes/no question based on the passage. You should answer the question using the information from the passage.

passage: Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States of America. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate (often 2%). When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is an ``Indexed Universal Life'' contract. These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy at first; the cost of insurance is always increasing as found on the cost index table (usually p. 3 of a contract). This not only allows for easy comparison of costs between carriers, but also works well in irrevocable life insurance trusts (ILIT's) since cash is of no consequence.
 question: does a universal life policy have cash value?
Yes

passage: Puget Sound /ˈpjuːdʒɪt/ is a sound along the northwestern coast of the U.S. state of Washington, an inlet of the Pacific Ocean, and part of the Salish Sea. It is a complex estuarine system of interconnected marine waterways and basins, with one major and two minor connections to the open Pacific Ocean via the Strait of Juan de Fuca--Admiralty Inlet being the major connection and Deception Pass and Swinomish Channel being the minor.
 question: is puget sound part of the pacific ocean?
Yes

passage: All other nations have some form of legislation meant to prevent the illegal trading of organs, whether by an outright ban or through legislation that limits how and by whom donations can be made. Many countries, including Belgium and France, use a system of presumed consent to increase the amount of legal organs available for transplant. . In the United States, federal law prohibits the sale of organs; however, the government has created initiatives to encourage organ gifting and to compensate those who freely donate their organs. In 2004, the state of Wisconsin began providing tax deductions to living donors.
 question: is it legal to sell human body parts?

Yes

