Answer :
Answer: D. personal risk
Explanation:
Personal risk to a person is the risk that something will happen to them such that they would be unable to provide for their selves or their dependants.
Personal risk is one of the most popular risks because we face it everyday as anything can happen to us once we wake up.
In this case, Damien is insuring against the personal risk that he will get disabled that way his family still gets paid if such a thing should happen to him.