Gita has owned a whole life non-participating policy on her own life for the past 11 years. It is payable to her estate and was purchased to pay final expenses. The policy has a $50,000 face amount, annual premiums of $750 and a cash surrender value (CSV) of $2,800. In addition to the death benefit the policy has waiver of premium and a guaranteed insurability option. Gita recently started up her own business, a theatre arts company for teens and younger children. The business is just getting going and Gita is short of cash as a result. She wants to retain her coverage and all benefits and riders, but isn't certain that she'll be able to pay the premiums for the next year or two. What non-forfeiture option would you recommend for Gita to consider? 

A) Automatic Premium Loan (APL) 

B) Extended Term

 C) Reduced Paid-Up (RPU) 

D) Cash Surrender Value (CSV)