Aline would like critical illness insurance because one of her close friends has had major health problems. She asks her life insurance agent what her coverage would be if she were to have a cancer covered under the policy and then became paralyzed later on$.$

What should her insurance agent tell her?

$$ A standard critical illness policy will cover both cancer and paralysis.

$$ A critical illness policy with expanded coverage will cover both health problems, provided a second event rider is added.

$$ Paralysis cannot be covered under a critical illness policy because it is considered a disability and not an illness.

$$ The second event will not be covered regardless of the rider added, because any illness that occurs after cancer is subject to a standard exclusion.