Some long-term care policies now provide nonforfeiture options. Which one of the following is the benefit of a nonforfeiture option?

A. It gives the insured party a choice of ways to use the cash value if the policy is terminated.
B. It allows an incapacitated insured to stop paying premiums while receiving benefits and keeps the policy in force with full coverage.
C. It prohibits the insurer from canceling a policy just because an insured's health has changed.
D. It provides that the daily benefit is automatically increased by a specified percentage for a number of years.