Which statement is incorrect with regards to life insurance.

Select one:

$$ a$.$ With respect to term insurance, the length of the term determines the premium to be paid for the insurance.

$2$: b$.$ Term insurance is the most expensive policy as it builds cash value.

O c$.$ A life insurance policy with a shorter term is less expensive than a policy with a longer term.

$$ d$.$

A maximum premium payment for universal life insurance provides the greatest opportunity for tax$-$deferred growth.