When applying for a universal life insurance policy, Patrick asks his agent about the index fund investment option to make informed decisions about his itvestr details about the index fund investment provided by the agent is TRUE? eWpRWGgwMOZ$5$RD$($ubEIY$2)$Zrcmp$\backslash$dz$09$ @a$.$ It is possible for the investment account's value to decline due to market fluctuations.b$.$O The policyholder will be required to pay taxes on the investment returns.c$.$O Index account options are not subject to management fees that affect investment performance.d$.$ O The policyholder will acquire a legal interest in the index fund and in the securities that make up that index.