Harry is the policy owner of a whole life insurance policy with a face value of $1,500,000 and a cash surrender value of $44,000. If Harry decides he no longer wants to continue paying premiums but would like to maintain some level of permanent insurance, which of the following non-forfeiture options would it make the most sense for Harry to select?

Question 30 options:

	Reduced paid up insurance
	Cash surrender value
	Automatic premium loan
	Extended term insurance