There Are Many Differences Among the Various Types of Insurance

There are many differences among the various types of insurance policies. Which of the below is NOT one of these differences?

A) One difference is that many types of insurance will not have a payoff.
B) One difference is the statistical or actuarial accuracy of estimates of when the event insured against will occur and the amount of the payment.
C) One difference is the tax differences among different types of insurance policies and companies.
D) One difference is the expected time at which the average payment will be made by the insurance company (technically, the "duration" of the payments) .