Dude. If you need to ask, and you list those three answers, your command of English isn't good enough to get a license in the USA.
Ha...to the above answer. Perhaps if you're looking for some sort of "limited payment" you would look at the first answer. But, the real answer is D...Return of Premium term which allows you to instead of taking all of your premium back, to get a paid up policy at the end...albeit smaller than the original amount.
