ID: A 25. Cash value accumulation can be utilized by the insured to a. adjust their death benefit c. use to pay upcoming premiums b. borrow against in the future d. all of the above 26. Pooling of benefits under long term care policies allow a. policyholders to use a total dollar amount c. policyholders to incorporate inflation for a service(s) protection in their policy b. policyholders to combine skilled nursing d. all of the above and assisted living benefits 27. A rider that lets the policyholder purchase extra disability insurance as their income increases is a a. residual disability provision c. waiver of premium b. automatic increase rider d. future increase option