The annual premium for an ordinary life policy issued at age 35 is higher than that for a term-to-age-65 policy issued at age 35 mainly for which of the following reasons?

a) The term policy has a shorter premium-paying period.

b) The term policy builds up a reserve at a more rapid rate.

c) The ordinary life policy builds up a reserve equal to the face amount of the policy

d) The ordinary life policy's premium is based on the uncertainty as to whether death will occur during the period of coverage.