$12$ Phil owns a $$400,000$ permanent life insurance policy with his wife, Rose, named as the life insured and his son, Alex, the beneficiary. His wife recently gave birth to a baby girl, Mia. Phil meets his insurance agent, Emma, to discuss the appropriateness of his exist coverage. Which of the following should Emma avoid recommending to Phil and his family unless absolutely necessary? bjNScXErcEF$4$UtXS$03$b$1$ZhOXI$4$d$209$a$.$ Add a family coverage riderb. Replace his existing policyc. Modify the amount of coveraged. Add a beneficiary