For the past five years, a person has had a $20,000 whole life insurance policy that has a cash value clause. The person decides to surrender the policy. At the time of surrender, the person will receive Group of answer choices

a calculated amount of money that must be converted to a term life insurance policy.

a calculated amount of money which includes the premiums paid as well as the interest on that money.

$20,000 less the premiums paid.

one-fifth of the $20,000 face value