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Which of the following statements is true about a 1-year renewable term policy? It accumulates a cash value that the policyholder may take out if he surrenders the policy. The policyholder has the option of paying level or non-level premiums each year. The beneficiaries are guaranteed to receive death benefits regardless of when the insured dies. The premium payments are always higher compared to previous year's premium. For a female at age 20, which of the following statements about the premium payment patterns for a 1 -year renewable term policy versus an ordinary life policy is true? At age 20, the premiums charged for an ordinary life policy would be lower than the premiums for the term policy. The premiums for both policies are the same, since calculations are made using the same age and Interest rate. The premium payments for an ordinary life start out higher than a term policy, then become lower than a term policy after several year oecause term o'lior premiums increase each year when the policy is renewed while ordinary life premiums remain level. Premiums for a 1-year + cic vable term policy are payable throughout the insured's lifetime, while the premiums for an ordinary his policy are paid tor a fixed period, say 10 or 20 years orily