your client ed johnson is $68$ years old. he has a net worth of approximately $$900,000$ and sadly never remarried after his wife passed away $10$ years ago. he no longer feels a need to keep a life insurance policy as he has no children and nobody depending on his income. what is the most suitable non$-$forfeiture option for his situation? a$)$cash surrender value, b$)$ reduced paid$-$up$,$ c$)$ extended term, d$)$ grace period, e$)$ straight life annuity.