What will the insurer do if its Disability Income policy contains a Change of Occupation provision, and the insured changes to a more hazardous job and then is subsequently injured?
A. The insurer can do nothing as long as the policyowner pays the premiums
B. Policy benefits will be reduced to an amount the premium would have purchased originally based on the more hazardous occupation
C. The policyowner will have to pay an additional premium to cover the higher risk
D. A premium penalty will be charged against the benefits when a claim is filed