Which of the following is a non-forfeiture option?

Dividend accumulation refers to the practice of using policy dividends to increase the cash value of the policy, rather than taking them as cash or applying them to premiums. This option does not preserve coverage under non-payment conditions, as it does not provide a means to maintain insurance without further premium payments.

Paid-up additions are an option where dividends can be used to buy small amounts of additional insurance coverage, which also requires ongoing premium payments. While it enhances the policy's value, it does not qualify as a non-forfeiture option since it does not allow the policyholder to retain coverage after ceasing premium payments.

The waiver of premium is a rider that prevents premium payments during periods of disability or hardship, but it does not serve as a non-forfeiture option. Instead, it temporarily suspends premium obligations without forfeiting the policy's benefits, unlike reduced paid-up, which provides a permanent solution to maintain coverage.