Which of the Following Changes Would Tend to Increase the Premium

Which of the following changes would tend to increase the premium on a disability policy?

A) A shorter elimination period
B) Use of "any occupation" definition of disability instead of "own occupation to which one is reasonably suited"
C) Decreasing the benefit level to 50% from 66% of prior earnings
D) Decreasing the payment period until age 65 to a maximum of 2 years
E) Mandatory disability insurance in which the employer pays the entire premium