$14.$ What is the primary incentive for a life insurance owner to sell his or her policy to a third$-$party buyer under a settlement arrangement $?($Search Chapter $3$ The buyer pays an amount for the policy that is greater than the policy$^$ prime s cash surrender value. $.$ The buyer pays an amount for the policy that is greater than the policy's death benefit. The buyer guarantees payment of a death benefit that is greater than the original benefit od$.$ The seller receives a tax deduction equal to the policy's sales price.