For the insurer, the difference between the reserve at any point in time and the face amount of the policy is ksona as: protection element cash value. surrender value. premium value. Question 37 (1 point) Which of the following are the two options that are typically avalable with tem insurance sold dimethy fo mavidialo? Renewability and convertibility Reliability and accountability Scalability and usability Portability and convertibility Compatibility and Renewabality