What Is the Most Important Difference Between Universal Life Insurance

What is the most important difference between universal life insurance (UL) and whole life (WL) insurance?

A) With UL the policy will not terminate right away if the policy owner misses a premium.
B) With UL the policy holder is responsible for selecting the investments.
C) With UL the policy is guaranteed until the insured's age of 100.
D) With UL there is guaranteed cash value.