Carrie owns a Term-100 policy with several supplementary benefits and riders. Carrie has recently been diagnosed with cancer, but her diagnosis is positive. Her oncologist expects that, although she will be off work for a significant period of time for surgery and treatment, she will eventually make a full recovery. Carrie is concerned about her loss of income and asks for your help.In this case, what would you recommend to Carrie as the MOST appropriate course of action?

a)apply for the Terminal Illness benefit

b)apply for the Critical Illness benefit

c)exercise the Guaranteed Insurability Benefit rider

d)exercise the Paid-Up Additions rider