Under the Traditional Net Cost Method,the Net Cost of Life

Under the traditional net cost method,the net cost of life insurance for a given period (e.g. ,20 years) is determined by which of the following formulas?

A) the total premiums for the period less the policy reserve at the end of the period
B) the total premiums for the period less the sum of the total dividends received during the period and the cash value at the end of the period
C) the sum of the total premiums and dividends for the period less the cash value at the end of the period
D) the sum of the total dividends received during the period and the cash value at the beginning of the period less the total premiums paid for the period