Please hurry

Samantha is purchasing her first home. While meeting with her bank to obtain a mortgage, she also applied for creditor insurance. In the days following her application, Samantha's friend told her she should have obtained personal insurance instead. As such, Samantha met with an insurance advisor for a quote on individual insurance, but was surprised at how much more expensive the premiums were compared to what she is currently paying for creditor insurance. Why does her creditor insurance have cheaper premiums? a) Post-claim underwriting. Ob) The financial institution's buying power. c) The premiums are not pooled with all of the other insured similar to a group insurance plan. O d) The financial institution is also the insurer