Chad's friend, Rick sells disability insurance. Rick told Chad about the benefits of having critical care insurance. Which of the following statements regarding critical care insurance is FALSE? a) Statistically, Canadians are much more likely to be unable to work due to critical illness than to die before the age of 65 . b) If Chad were diagnosed with a critical illness, he would receive a lump sum to use whichever way he saw fit. c) Chad's premium may be based on his age, coverage required, his gender, and smoking status d) If Chad were to purchase critical care insurance, he would not need to have any other form of disability insurance