i need to know wich ones are false ? i think its B

       I.           The ability to use the cash value of a life insurance policy to purchase paid-up term insurance is referred to as a non-forfeiture option.

     II.           The premium for $100,000 of 20-year term insurance will be lower than for 5-year term insurance.

   III.           At a certain age, term insurance can no longer be renewed.

   IV.           Term insurance policies can either be participating or non-participating.

     V.           The premium of term-to-100 insurance rises over time.

   VI.           The premiums of creditor term insurance are fixed.

a)     I, II and III

b)     II, IV and V

c)     I, III and IV

d)     II, IV and V