What does the elimination period on a long-term disability policy describe?

A. The waiting period in order to change policies

B. How long the before the policy will lapse from non-payment

C. The amount of time you need to wait before benefits start

D. The period of time where premiums must be paid

What option describes a choice that will result in a more expensive premium?

A. Buying term instead of whole life insurance

B. Buying any occupation LTD policy over an own occupation LTD policy

C. Buying an HMO policy over an indemnity policy

D. Buying a replacement cost homeowners policy over an actual cash value policy