I need some help checking my answer for the following problem, thanks

The time to failure of a television tube is estimated to be exponentially distributed with a rate of 3 per year. A company offers insurance on these tubes for the first year of usage. On what percentage of policies will they have to pay a claim?

a) 0.9502

b) 0.0498

c) 0.5138

d) 0.9126

e) none of the above