plz solve its timed!!

Surrender value means: The net value of cash received on surrender of policy. The unpaid value of the policy The total value received by the policy holder. The present cash value of the policy which a holder gets on surrendering all the rights of the policy. In a valuation balance sheet surplus or deficit is difference between: None of these The Life fund opening balance and the net liability of the valued policies The Life fund closing balance and the net liability of the valued policies. The net liability of the policies and the net assets Oman united insurance reinsures with Muscat insurance and receives commission called: Commission Commission on reinsurance accepted. Commission on reinsurance ceded Commission on reinsurance