A Change That Would Tend to Decrease the Premium on a Disability

A change that would tend to decrease the premium on a disability policy is

A) a shorter elimination period,
B) use of an any occupation definition of disability instead of an any occupation to which reasonably suited definition,
C) increasing the benefit level from 67 percent to 75 percent of prior earnings,
D) lowering the payment period from until age 70 to until age 65.