All the following statements concerning life insurance dividend options are correct EXCEPT: ielect one: a. With the accumulation-at-interest option, dividends will be kept in the equivalent of an interest-bearing account for the benefit of the policyowner. b. With the cash option, dividends will be paid to the policyowner in cash. c. With the fifth dividend option, dividends will be used to purchase 1-year term insurance. d. With the paid-up additions option, dividends will be used to pay up the policy prior to age 65