A If Alicia does not exercise her option in any one year, the option will be carried forward and can be exercised in a subsequent year. Alicia has just received her whole life policy with a guaranteed insurability benefit (GIB) rider. The face amount of the policy is $300,000. The GIB allows her an increase of 10% of the face amount every time the option is exercised for the next 20 years at the policy anniversary for a cumulative increase of $200,000 B If Alicia does not exercise her options to increase the benefit by $200,000 over the next 20 years, the period will be extended until she exercises her option. C If Alicia exercises her GIB option, the insurer will underwrite her financially to ensure that the benefit is commensurate with her income. Which of the following is true about the GIB rider? D Alicia can increase the benefit as provided by the GIB rider and there will be no medical underwriting for the increase in policy benefit