.All of the following are true of the Universal Life policy, except:

a. Adjustments to the face amount may be requested by the policyowner to reflect changes in need,

b. It allows the owner to make additional contributions that increase the cash value or skip some premiums if the owner desires to do so,

c. Any borrowing or partial withdrawal from the cash value account terminates the policy,

d. The cash value account earns interest at the current rate with a guaranteed minimum rate established.