Insurance policies guaranteeing the policyholder's income if he or she

Can you please elaborate on option A. I am confused with second sentence in the argument

KAPLAN OFFICIAL EXPLANATION

Identify the Question Type:

The phrase "most seriously undermines" indicates this is a Weaken question.

Untangle the Stimulus:

The conclusion of this argument is that disability insurance will be popular and, therefore, profitable for insurance companies. The evidence explains that, for those at average risk, the cost is minimal.

Predict the Answer:

The evidence certainly shows why the policy could be popular: it doesn't cost too much and the benefits are great. However, as with any prediction, the author does not consider any factors that would prevent that prediction from coming true. The correct answer will show how, despite the low cost and the potential benefits, people may still not opt for the policy.

Evaluate the Choices:

(A) is correct. If most workers do not think they are at much risk for becoming disabled, they are less likely to buy the policy, which would contradict the author's more optimistic prediction.

(B) is irrelevant; what workers at "greater risk" are charged is not the focus of the author's position. The author's argument is that "average risk" workers will make this product profitable.

(C) is also irrelevant. Even if the insurance is more expensive for those who make more money, that may not deter anyone from buying the insurance.

(D) may be tempting, but is ultimately irrelevant. The argument is merely that this insurance product will be profitable and popular; whether people buy it themselves or have their employer buy it for them doesn't matter.

(E) does not weaken this argument because it does not state how often the insurance companies lose money when paying off someone who has become permanently disabled. This may occur infrequently, so the insurance companies still realize a profit.

TAKEAWAY: An author who argues people will make decisions based on a particular factor is assuming that they are aware of that factor.

but how can we conclude that disability insurance will be popular. it is nowhere given in the question stem.
imo c should be the answer.

A. The large majority of workers significantly underestimate the likelihood of suffering a disabling injury.
If people are not going to buy the insurance the plan is sure to fail

B. Workers at greater than average risk are likely to be charged higher premiums on disability insurance.
This will help them get back the money it lends support

C. Disability insurance that guarantees the policyholder's income will be more expensive for those with large incomes.
Similar reasoning as B it strengthens

D. Some employers already provide disability insurance that guarantees their employees' incomes.
Some cannot represent the entire demographic

E. Insurance companies will lose money on any disability insurance policy they sell to a worker who later becomes permanently disabled.
THis has been already adressed in the passage
Hence IMO A
Thanks