$22.$ Last week, Grant purchased on individual disability insurance policy with an "any occupation" definition of disability, and a premium refund rider. However, Grant now feels that he cannot actually afford the policy. Which of the following statements properly describes Grant's situation?

a$)$ Grant can exercise his right of rescission and cancel his contract for a full refund.

b$)$ Grant cannot receive a refund if he cancels this policy as the contestability period has expired.

c$)$ Grant could exercise the premium refund rider to recover his costs to date.

d$)$ Grant can lower his premium by changing to an "own occupation" definition of disability.