Which of the Following Statements Is True About Cancellation of an Insurance

Which of the following statements is true about cancellation of an insurance policy?

A) Insurers can cancel insurance contracts by surrendering the policy to the insured.
B) Insurance contracts contain a reinstatement clause that allows an insured to reinstate a cancelled policy.
C) Insureds who terminate a contract are entitled to a return of the premium on a short-rate basis.
D) Insurers that cancel a contract need not return the unearned portion of any premiums paid by the insured.