If John's Business Had Purchased Disability Insurance Coverage for Its

If John's business had purchased disability insurance coverage for its employees which was guaranteed renewable,which of the following is True?

A) The insurance company must renew the coverage with same benefits and premiums at the renewal date.
B) The employer must renew the same benefits each year,even if the premiums increase.
C) The insurance company must renew the coverage with the same benefits but could increase the premiums.
D) The insurance company must renew the coverage,but could change the definition of disability used.