What reagent is needed to complete the following transformation? 
Definitions:
Life Policy
An agreement that awards a specified sum to a named beneficiary when the person covered by the policy dies.
Maximum Available
The highest amount or quantity that can be used, offered, or allocated from a particular resource or within a specific framework.
Straight-life Policy
A type of life insurance policy that provides coverage for the insured's entire lifetime, with fixed annual premiums and a guaranteed death benefit.
Loan Value
The amount that an insured may borrow on a policy from the insurance company.
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