Fabio owns w $$250,000$ non particapating whole life insurance policy. He purchased the policy $12$ years ago when he was $33$ years old when he looks at his contract it was written that in the $12$ year cash surrender value should be at $$55,000$ Fabio's other investments have recently lost a lot of money he would like to surrender this policy for the cash value but he doesn't know how much he will perceive help Fabio better understand how to set a realistic expectation of what he might receive by selecting an option from the list