If the insured has duplicating coverage with other insurers, and the insurer supplying disability insurance does not know about the duplication, what happens to the premiums that represent the proportion of disability insurance benefits that were not necessary? 1. The premiums are lost and can never be refunded. 2. The premiums go into a reserve that helps the insurer deal with potential losses 3. The proportion of the premiums are refunded. 4. The entirety of the premiums are refunded and the insurer is fined $100