Antoine, aged 50. is in excellent health and very active. He plays soccer and runs regularly. His children have left home and he will soon be a grandfather. He has been saving for his retirement which he plans to take in 10 years--for a long time. He wants to travel all over the world. His job provides an annual income of $120,000 and a group plan including disability insurance covering 70% of his income, extended health insurance and travel insurance. His parents left him a substantial inheritance, which he invested in bond funds that he will cash in seven years. He will buy a sailboat with the money. What additional coverage could he take out? a) Disability business overhead expense (BOE) coverage. b) Individual disability insulunce. Oc) Key person disability insurance. d) Critical illness insurance