For the past five years, a person has had a $20,000 whole life insurance policy that has a cash value clause. The person decides to surrender the policy. At the time of surrender, the person will receive Group of answer choices

a calculated amount of money that must be converted to a term life insurance policy.

a calculated amount of money which includes the premiums paid as well as the interest on that money.

$20,000 less the premiums paid.

one-fifth of the $20,000 face value

folds are formed when heat and pressure is applied to the rock. the higher the temperature, the more pliable rocks become. folds are more likely to occur when the deformation caused by the compression is applied slowly. faults are defined as the displacement of rock that were once connected along a fault line.

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