Which of the Following Statements About the Waiver-Of-Premium Provision in Life

Which of the following statements about the waiver-of-premium provision in life insurance is true?

A) Because the probability of becoming disabled exceeds the probability of premature death,the cost to include this provision is usually prohibitive at younger ages.
B) Premiums are usually waived if the insured becomes partially disabled.
C) Life insurance protection continues in force during a period of disability,but dividends cease and cash values are reduced.
D) The disability must occur before a stated age,such as 65,for premiums to be waived.