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Which of the following statements is true regarding the conversion of a 5 - year term policy after it has been in force for 5

Which of the following statements is true regarding the conversion of a 5-year term policy after it has been in force for 5 years?
I. The premium will be lower if an original-age conversion is used.
II. The policyowner will have to make a lump-sum adjustment payment if an attained-age conversion is used.
I only
II only
both I and II
neither I nor II
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