Amanda has an accident and sickness insurance policy, however she is finding it difficult to afford her premium since she suffered a small drop in her income. While she feels she still requires the insurance since her expenses have not changed, she has asked Neil, her insurance agent, to review her options. Given this scenario which of the following solutions is most appropriate? Select one: a. Increase the benefit period b. Reduce the benefits c. Shorten the waiting period d. Lengthen the waiting period