Emma had an individual critical illness policy that covers the basic four major health conditions: stroke, heart attack, cancer and coronary bypass surgery. Emma died from alcohol poisoning during the third year of the policy, Given this scenario what will the insurance company do? Select one: a. Nothing as there is no benefit payable b. Refund the premiums to her estate c. Pay the lump-sum benefit to her estate d. Refund the premiums to her beneficiary