All of the Following Statements Describe the Flexibility Available to the Owner

All of the following statements describe the flexibility available to the owner of a universal life insurance policy EXCEPT

A) Policy loans are permitted on an interest-free basis.
B) The frequency of premium payments can be varied.
C) The death benefit can be increased with evidence of insurability.
D) Premium payments can be any amount provided there is sufficient cash value to keep the policy in force.