This question is hard to answer mainly because the details that are written in the choices are wrong. First of all, the premium cannot be 0 for all of the choices because based on the table, there are different numbers that are given. If A is the right answer, the choice should be a 23-year old insurance class A premium is 90 and the excess is 2,500.
Premium can be considered an excess which means that the choice should be something that will be beneficial. If A would be chosen, this means that the interest rate will be the same as compared to rule 1. There will also be less investment which means that there will be more profit available.