Characteristics of Whole Life Insurance Do Not Include Which of the Following

Characteristics of whole life insurance do not include which of the following:

A) Whole life has a fixed annual premium paid every year by a policyholder.
B) Whole life policies build up cash values based on the earning for excess premiums that can be cashed in, in lieu of maintaining full death protection, or against which low rate loans can be made.
C) Whole life premiums get larger over an individual's life with age.
D) Part of the annual premium is for insurance and the excess over the average actuarial amount needed to cover claims is invested at a fixed annual rate established at the time the policy is written.