10 Which is incorrect with respect to disability insurance? A A policy may have a non-cancellable provision which gives you the right to renew each year at the same premium with a change in benefits. B A policy with a guaranteed renewable provision gives you the right to renew the policy with the same benefits. C A policy's waiting period is a timeframe that must lapse from the time of disability until the time of receipt of disability income benefits. D A policy's benefit period determines the length of time of coverage