All of the following are nonforfeiture rights except

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Nonforfeiture rights in life insurance policies are benefits that a policyholder can opt for if they decide to discontinue premium payments. These rights include the automatic premium loan, cash surrender value, and extended term insurance, which allow the policyholder to still utilize the policy's value in various ways. The lump sum option is not considered a nonforfeiture right; it is typically a payout option under the policy's death benefit or endowment maturity, rather than a feature available upon discontinuing premium payments.

All of the Following Are Nonforfeiture Rights Except