Liz stopped paying premiums on her permanent life insurance policy five years ago but did not surrender the policy. What must she do now if she wants to reinstate her policy?

a$.$ She must prove insurability.

b$.$ She must pay all back premiums plus interest.

c$.$ She must apply for a reinstated policy from the insurer.

d$.$ She will not be able to reinstate the policy because the time limit for reinstatement has expired.