You Overhear the Following in the Hallway, "Everyone Eventually Dies

You overhear the following in the hallway, "Everyone eventually dies, so how can a life insurance company make a profit? Isn't it a losing battle? You will always have to pay the death benefit to your clients!" You know that life insurance companies can be profitable. This is because

A) the premiums you pay on a life insurance policy are always more than any death benefit, so the insurance company always comes out ahead.
B) older people with a greater probability of dying during the term of a policy are denied any death benefits.
C) the insurance company collects more than enough in premiums today to cover expected benefits payable today.
D) life insurance companies are notorious for cheating clients with "fine print" policy clauses.