Cory purchased a 10-year convertible and guaranteed renewable critical illness policy 5 years ago. He recently suffered a stroke, which is a covered condition under his policy. Cory was hospitalized, and died 2 months later. Cory's policy had a refund of premium (ROP) rider, but no ROP was paid. Which statement correctly explains why? Question  options: 

a) He did not convert the policy 

b) He did not satisfy the qualification period for the ROP 

c) He did not satisfy the waiting period 

d) He would receive the policy benefit not the ROP