Ellen, who has a safe driving record, purchases automobile insurance from an insurance company. Ellen cannot assign her rights to be insured to another driver for which of the following reasons?

A. The assignment would materially alter the risk and duties of the insurance company. B. Claiming insurance is a future right and hence cannot be assigned. C. Insurance is a personal service contract and hence cannot be assigned. D. Personal contracts like insurance are assignable only with the agreement of all parties involved in the contract.