The following type(s) of life insurance policies do not have a savings feature O Term life O Whole life Variable life O Universal life O Both variable life and universal life The term "variable" in a variable life policy refers to the insurer's ability to vary the rate of return on the policy. O insurer's abil variable growth rate of the cash value of the policy. O the policyholder's ability to cancel the plan. to vary the premiums. policyholder's ability to vary the premiums