Roland has been diagnosed with terminal cancer. He discusses his financial affairs with his financial advisor who advises him of the living benefit clause in his life insurance contract. Which of the following facts about Roland's situation may result in the insurer DENYING his application to recelve living benefits? a) Roland's doctor anticipates that he will live longer than six months, but not longer than twelve months. b) Roland's policy has been in effect for thirteen months. c) The named beneficiary is Roland's estate. d) Roland does not want to pay the premiums while he is receiving the living benefit