Amold is a 35 year old male who works as a physical therapist. Arnold earns $57,000 per year, is in good health, has a low risk job but does have a family history of adult-onset type Il diabetes. Arnold has asked his life insurance agent if he should obtain disability insurance. Given this scenario, which of the following statements is most correct? Select one: a. Arnold should get coverage but will likely be denied or have a restriction of coverage b. Arnold should get coverage and will likely have his application approved as submitted c. Arnold should not get coverage as he will likely not use it given that his job is low risk d. Arnold should get coverage and will likely be approved but charged higher premiums