Your Client Is Single and Just Getting Started in His

Your client is single and just getting started in his career. Which of the following short-term disability insurance policies would help lower the premium cost?

A) Purchase a policy that replaces 80 percent of pre-retirement income rather than one that replaces 70 percent.
B) Purchase a policy that provides for residual disability rather than one that only provides for full disability.
C) Purchase a policy with an "own occupation" definition for disability rather than one that defines disability as "any occupation."
D) Purchase a policy with a longer elimination period rather than one with a shorter elimination period.