Which dividend option can an insured use to pay off their continuous premium whole life policy sooner?

The paid-up option allows an insured to use dividends to reduce the amount of premium payments owed on their continuous premium whole life policy. By choosing this option, the insured can effectively apply their dividends towards paying off the premiums, which accelerates the time it takes to fully pay for the policy. This can lead to the policy being "paid-up" sooner than it would have been through normal premium payments.

In contrast, the cash surrender option involves the insured cashing in their policy, which terminates coverage and does not provide a means to pay off the premium. The accumulate at interest option allows dividends to earn interest but does not contribute to premium payments. Lastly, the paid-up additions option uses dividends to purchase additional, smaller whole life policies, enhancing the policy's value over time but not specifically aimed at expediting premium payments for the main policy. Thus, the paid-up option is the most effective choice for paying off the continuous premium whole life policy sooner.