Under an accelerated benefit that uses the lien method, a certain amount of interest is charged and then subtracted from the policy's death benefit when the death benefit is paid. The interest is charged against:

a$.$ the full amount of the policy's death benefit

b$.$ the amount of the death benefit that is accelerated

c$.$ the full amount of premiums paid up to the time of the accelerated benefit claim

d$.$ the full amount of the policy's cash value at the time of the accelerated benefit claim