Consuela applies for individual disability insurance to help protect her income in case of disability. The underwriters for the insurance company decide to approve the policy with an exclusion rider. Which of the following scenarios would result in the decision to issue the insurance policy with an exclusion rider?

a)To provide a tax-free return of premiums paid if premiums paid exceed the total claims paid.

b)To exclude vocations from being subject to premium rating at a higher risk than standard rating.

c)To specify that no benefits will be payable on account of a disability arising from a certain activity or condition.

d)To provide coverage for the inability to earn a certain percentage of regular self-employed income due to disability.