While educating a prospect about nonforfeiture options, the prospect asks you for an explanation of the return of premium option. You can correctly make all of the following comments EXCEPT

A$)$ should you cancel your policy, the insurance company will return a percentage of premiums you paid

B$)$ some nursing home but no home care benefits will be available to you

C$)$ the longer the policy was in force, the more money will be returned to you

D$)$ usually, a policy will return nothing in the first $5$ years