The payor rider is sometimes added to a life insurance contract on a juvenile. The purpose of the rider is to make sure that the coverage on the juvenile does not lapse if the adult (the person responsible for paying premiums) becomes disabled or dies. Which of the following is not true about the payor rider?

a. There is no added premium for this rider.
b. The premiums can be waived until the juvenile reaches a specified age.
c. The premiums can be waived until the maturity date of the contract.
d. The insurance remains in force even if the premiums are not paid.