Universal life differs from traditional whole life, because

A)

universal life explicitly divides premium payments into a death protection component and an investment component.
B)

universal life pays a guaranteed interest return over the life of the policy's cash value.
C)

those with traditional whole life can borrow against their cash value, whereas those with universal life cannot.
D)

those with universal whole life can borrow against their cash value, whereas those with traditional whole life cannot.

A