Dorothy issued a $500,000 life insurance policy in 2020 when she was 45 . Her whole life insurance policy will accumulate cash value. The policy is expected to get paid up in around ten years. The cash value is expected to reach $500,000 in around 20 years. Which of the following actions will cause the policy to fall under the nonexempt category? Canceling the policy and cashing out the $500,000 in 20 years. Utilizing the automatic premium loan feature to pay one premium. Changing the beneficiary to a registered charity. Changing the beneficiary from the estate to her significant other