Your client takes your advice but wants to understand more about the different features of his policy: specifically the relationship between the premiums he pays, the cash value of his plan, and the death benefits his beneficiaries would receive in the event of his passing. To help illustrate, you show him the following graph: The graph projects the cash value and death protection for a $200,000 whole life policy. If the client were to die at age 60 , his beneficiaries would whole life insurance. The right to withdraw the cash value of a plan at any time prior to the policyholder's death is due to which of the following? The convertibility provision The nonforfeiture right The cash conversion clause