Question 33 (1 point) What are non-forfeiture options? Non-forfeiture options represent the options available to a policy owner who would like to discontinue or cancel a policy that has cash value Non-forfeiture options represent the options available to a policy owner that allow them to borrow against the cash value at a zero-interest rate Non-forfeiture options represent the options that allow a policyholder to avoid the tax liability that is created if the cash value withdrawn exceeds the premiums that were paid Non-forfeiture options represent the options that allow the policyholder to use the cash value to pay for an insurance policy that has a reduced death benefit