Which of the Following Changes Would Tend to Increase the Premium

Which of the following changes would tend to increase the premium on a disability policy:

A) a shorter elimination period
B) use of "any occupation" definition of disability instead of "own occupation to which one is reasonably suited."
C) decreasing the benefit level from 50% to 66% of prior earnings.
D) decreasing the payment period from until age 65 to a maximum of 2 years.
E) none of the above would tend to increase the premium.