All the following statements concerning the coinsurance plan of reinsurance are correct, EXCEPT:

a The reinsurer is responsible for its pro rata share of the policy's death claim, as well as for the net amount at risk.

b The reinsurer is responsible for its pro rata share of the policy's cash surrender value.

c The primary company realizes a more rapid growth in assets than under the yearly renewable term plan of reinsurance.

d The reinsurer accumulates and holds the assets supporting the policy reserves for the amount of insurance transferred.