A dividend is an amount returned to a policyowner out of an insurance company's surplus funds. In a practical sense it is a return of premiums that exceed the insurer's expenses and mortality experience. Only certain types of insurance policies produce dividends.
The progressive form is A. sends
B. is wrong because - shall send - is future.
C. is wrong because - sent - is past.
D. is wrong because - will be sending - is future.
Hope this helps.
The correct answer is B. she litters