10 Oleg, 32. a non-smoking fitness instructor, is in very good health. He has recently married and they are planning on having children. He knows he needs insurance, however, the instructor job does not pay that well. He has been promised promotions and will do better in the next few years. He wants to buy as much insurance as he can afford now and then add to it when his salary increases. He has decided on a Term 10 policy for now. Which one of the following strategies would allow Oleg to achieve his objective of buying affordable insurance now with the option of increasing coverage in the future? Oa) paid up additions rider guaranteed insurability benefit rider just wait and buy more insurance later accidental death rider with double indeginity l8888