Verified Answer :

Premium is not included in all contracts. 
Offer is very important, time requirements is also a must in a contract, consideration is also stated in the contracts, but premium is not  included in the contract.

I believe the answer is: C. premiums

Premium refers to the amount of payment made by the insured periodically in order to ensure that the contract is still active. Even though this is a formal obligation for the insured, the numbers of premium usually provided in a different document outside the contract.

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