The answer B makes the most sense.
Answer:
b) An insured who has recovered from a disabling injury will be required to repay the insurer for any premiums that were waived
Explanation:
Waiver of premium is a clause or rider in an insurance policy in which insured is benefited by not paying the premium for his policy in case he suffers from disability for period of disability . For it he is charged with some premium .
Once waived , the premium need not to be repaid back to the insurer , even if he has recovered from disability,
I'm pretty sure the answer would be: If the person is upright, carefully ease the person to the floor. this is of course after calling 911, followed by looking for the object lodged in the persons throat.
STD: sexually transmitted disease.