Ian applies for an individual disability insurance (DI) policy with a return of premium (ROP) rider. During the application process, the insurer determines that Ian is overweight. After the underwriting process, the insurer issues a policy with a rating due to Ian’s weight issue. Which of the following provides a CORRECT description what will happen under Ian's disability insurance policy?

a)		Any amounts received by Ian as a return of premium will be tax-free.
b)		If Ian suffers a disability related to his weight, no benefits will be payable.
c)		Ian will receive a return of premium if the total claims exceed the premiums paid.
d)		The premiums that Ian pays will be tax-deductible.