3. Which of the following is (are) true about the shadow account method? 1. The secondary guarantee remains in force as long as the shadow cash value is positive. II. The cash value in the shadow account is available to the policy owner. a. I only b. ll only c. Both I and II d. Neither I nor II

3. Which of the following is (are) true about the shadow account method? 1. The secondary guarantee remains in force as long as the shadow cash value is positive. II. The cash value in the shadow account is available to the policy owner. a. I only b. II only . Both I and II 1. Neither I nor