13. Nancy is considering the purchase of a variable life insurance policy. Which of the following is her life insurance agent likely to discuss in describing such a policy? A) With a variable life insurance policy, your premium payments are never fixed. B) With a variable life insurance policy, the death benefit is a guaranteed and specified amount. C) With a variable life insurance policy, you have the option of investing the cash value in several investment accounts D) With a variable life insurance policy, the cash surrender value has a guaranteed minimum. 14. Death 'R Us Insurance Company issues a $250,000 whole life policy to Erica on January 1, 2022. She pays an annual premium of $4,000 on January 1, 2022, and every January 1 thereafter. What is the net amount at risk on Erica's policy for Death 'R Us on January 2, 2042? A) $84,000 B) $166,000 C) $170,000 D) $250,000