All of the following statements concerning Waiver of Premium riders are correct EXCEPT:
a) Once activated, the Waiver of Premium will continue until the insured's recovery or the maturity of the policy whatever occurs first
b) An insured who has recovered from a disabling injury will be required to repay the insurer for any premiums that were waived
c) Waiver of Premium riders require that disablement needs to last for a certain period of time
d) There is a maximum age limit for the Waiver of Premium rider to activate.

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,

so we know the answer cannot be c because no insect or animal starts as an adult

the answer is a. a swimming larvae

because since they are sea animals they automatticaly have to know how to swim they cannot just sink to the bottom

sorry if this is the incorrect answer.