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【单选题】
某终身寿险合同的被保险人因意外事故死亡,保险人在理赔时发现投保人还有保单质押贷款未还,且该笔贷款的本利和已相当于此时保单现金价值的 95% 。则保险人的正确理赔结果是( )。A.
不给付保险金，只返还保单现金价值的5%
B.
给付保险金，但须扣除保单贷款的本利和
C.
不给付保险金，但要以返还全部保险费
D.
给付保险金，但归还贷款本利和
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listen to; relax
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to listen to; relax
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listening to; to relax
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