Arnold 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 ll 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 and will likely have his application approved as submitted

b$.$ Arnold should get coverage and will likely be approved but charged higher premiums

C$.$ Arnold should get coverage but will likely be denied or have a restriction of coverage

d$.$ Arnold should not get coverage as he will likely not use it given that his job is low risk