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An insurance company issues a policy promising to pay $250,000 to the policyholder if the policyholder's house burns down during 2011. The policyholder accepts and pays the premium. 2011 comes and goes and nothing happens to the house. What is the status?
A. The insurance company must refund the premium because insurance policies are not contracts
B. The insurance company is guilty of fraud because they took the policyholder's money even though there was no fire
C. The valid contract has been executed and is over
D. Because there was no fire, the policyholder can get the premium back because there was no consideration
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