Steve is the owner and beneficiary of a $1 million life insurance policy that covers the life of one of his key employees (David). David has decided to retire and will no longer be working for Steve. As a result, Steve feels that he no longer needs life insurance protection on David. Which of the following would be the most appropriate method for accessing some of the policy face value prior to David's death? exercise a guaranteed insurability option Othere is no way for Steve to receive any benefit under the policy since he no longer has an insurable interest in David's life life settlement viatical settlement use the policy's accelerated death benefit Im