120. Saurav is 35, married, and has a son. He is a professional photographer and is planning to purchase insurance policies for his family's welfare. He has never owned any type of insurance and meets with Rico, an insurance agent, for advice. Rico requires Saurav to share relevant information in order to understand his current situation. Which of the following insurance products will require Rico to use Sauravs occupation as a primary factor for determining

coverage?

a. Critical illness insurance

b. Long-term care insurance

c. Term insurance

d. Disability insurance