A waiver of premiums is: a) It is a term of the policy under which the insured relinquishes the right to receipt of payment in the event that he defaults on a payment Ob) It is a provision which guarantees to return all, or a large part percentage of, premiums that were paid by the insured in a given period if there is no claim by the individual c) It is a term of the policy under which the insurer relinquishes the right to the receipt of payment of the premium in the event the insured becomes totally or partially disabled Od) all of the above