33. Saul paid $6,000 premiums on his ordinary life insurance policy. He held the policy for 10 years his death and received the cash-surrender value of $25,000 in the year and cashed it in prior to Saul received the $25,000 he must include what amount in Gross Income? a. $0 b. $10,000 c. $11,000 d. $19,000 e. $25,000