Which of the following is a correct description of a life insurance policy rider?

A)

A level term insurance rider generally provides a consistent premium with a decreasing amount of death benefit.

B)

The spousal or childrens rider is generally a level term rider and may permit conversion to cash value coverage without evidence of insurability prior to termination or at the death of the insured.

C)

A purchase option, or guaranteed insurability rider, promises that the policyowner can buy additional insurance in the future at the original issue premium, regardless of age, health, or occupation.

D)

A typical life insurance policy waiver of premium rider waives the premium whenever an insured is unable to perform the duties of his occupation, regardless of whether or not he can work in another field.