From the alternatives provided in the question below select the one which most appropriately completes the sentence:

If only i ..... insured! But i wasn't. Now i have to pay a lot of money

  • A am
  • B have been
  • C had been
  • D would be
  • E was to be
jamb 1984english-language

The correct answer is C. had been

The sentence is expressing regret about not being insured in the past.

The phrase "If only" indicates a hypothetical situation or a wish for something that is not true.

In this case, the speaker is wishing they had been insured in the past.

The past perfect tense "had been" is used to talk about a past action that happened before another past action. 

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