A potential disadvantage of group term life insurance for an employee is

a. since employer-provided coverage is often salary-related, the life insurance coverage may be the lowest when the employee needs a higher amount of protection

b. that is only available on a non-contributory basis through the employer

c. that underwriting limits are usually very low, so most employees cannot purchase the amount of coverage they need

d. the cash value of the coverage increases the premium cost and makes coverage unaffordable for lower paid employees