A prospective client, Guillermo, meets with you for an insurance needsanalysis. Guillermo, a new Canadian, is a taxi driver with a spouse and 3 children. Although he hopes his income will increase at some point in the future, his income is currently quite low and he is concerned that he won't be able to afford the premiums for a disability insurance policy. As the sole provider for his family, Guillermo is worried that if he were to become disabled, the family would suffer considerable hardship. Given Guillermo's affordability needs, which of the following types of disability insurance policies would be the BEST option for Guillermo?

a) cancellable

b) non-cancellable

c) guaranteed renewable

d) guaranteed issue