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10. Alfred is a 39-year-old accountant who is married and has a daughter. Alfred is in good health and has a good family health history

10. Alfred is a 39-year-old accountant who is married and has a daughter. Alfred is in good health and has a good family health history without any major disability coverage, his agent recommends that Alfred obtain critical illness (CI) coverage. Alfred is hesitant because he does not want to spend unnecessarily on a product. What riders would alleviate Alfred's concern?

A. Return of premium
B. Hospitalization benefit
C. Waiver of premium
D. Cost of living adjustment

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