Which of the following is considered a policy replacement? A$)$ an existing whole life policy is converted to reduced paid up status, and a new universal life policy is issued on an unrelated insured by a different inshore B$)$ existing adjustable. Life policy is converted to extend the term under the policies nonforfeiture provisions C$)$ an existing variable life policy is surrendered, and a new life policy is issued for the same insured by different insurer D$)$ an existing variable life policy is surrendered, and a new life policies issued on a different insured in the same family by another, insurer.