How are perils and hazards normally distinguished under term insurance policies?

• A. erils are medical factors which influence the risk of dying and hazards are lifestyle activities which influence the risk of dying
• B. erils are risks that policyholders will die before a specified date and hazards are factors which could influence that risk
• C. erils are factors which affect the risk being insured and hazards are the size of the risk being insured
• D. erils are factors which could influence an insured event occurring and hazards are the actual events which will trigger a payout