Marvin was a radio reporter until he lost his voice box last year due to throat cancer. Now, he works in a newsroom writing and editing news stories. He has contacted you because his insurance company will not pay disability income benefits. What is the most likely explanation for the insurer's refusal to pay benefits? The policy is guaranteed renewable rather than noncancelable. The policy uses an "any occupation" definition of disability. The elimination period has not been fulfilled. The policy contains a presumptive disability clause