If a life insurance policy lapses for nonpayment of premiums,and the policyholder has not elected another option,which nonforfeiture option usually goes into effect in most policies?

Question

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Extended term insurance is the default nonforfeiture option in most life insurance policies if the policyholder does not select another option. This allows the policy's cash value to be used to purchase term insurance for a specified period.

If a Life Insurance Policy Lapses for Nonpayment of Premiums,and