a disability policy described as 'guaranteed renewable' is one where the insurance company

a. surrenders the right to change the premiums and may change the terms only with the consent of the insured.
b. surrenders the right to change any of its terms or to change the premiums
c. surrenders the right to change any of its terms but may change the premiums with the consent of the insured.
d. surrenders the right to change any of its terms but may change the premiums.