16. Kerry is 52 years old and he is purchasing additional coverage on his individual disability income insurance policy using a futize purchase votion. His income has increased about 35% since he took out the policy four years ago. What is Kerry guaranteed to receive as a result of the rider? An automatie 35\% increase in benefit. An increased benefit according to the policy when medical insurability is proven. An increased benefit according to the policy when Kerry provides proof of income. An incressed benefit based on Kairy'h income at the time of disability