2. Mandy is a physiotherapist and has applied for a disability insurance policy with a benefit of $3,000 per month, a waiting period of 90 days, a benefit period to age 65, a cost of ing adjustment rider, and a future purchase option. Mandy is a scuba diving enthusiast and participates in scuba diving activities and competitions. The insurer issued the policy considering her standard risk, as applied for, but modified the policy because of Mandys scuba diving activities.

What was the modification made by the insurer to the policy?

a) Premium rating

b) Benefit reduction

c) Exclusion

d) Recreational clause