AIS The BISOU weston 1911 poing Charles whose mother just had an organ transplant, has heard of an insurance product that covers this type of risk. He wants to meet with insurance agent Philippe to find out more about this product Charles confides in Philippe that he hesitated before making the appointment to meet with him. Charles says he's afraid that if he stays healthy and pays premiums for a long time without making a claim, he'l regret having spent all that money on insurance What should Philippe offer Charles to address his concerns? Od An individual disability policy with a walver of premium rider. W An individual disability policy with a retum of premium rider on maturity. A critical liness policy with expanded coverage and a return of premium rider on maturity Od A standard critical illness policy with a waiver of premium rider