Charles, a 32-year-old non-smoker, has been living with 28-year-old Isabelle for five years. Isabelle has just given birh to a little girl. Their insurance agent suggests that Charles purchase individual life insurance. Charles tells him that he is covered by group life insurance convertible for the full coverage amount if the plan were to be terminated orit he lefthis jobin 10 or even 20 years. By not taking his agent's suggestion, what disadvantage could Charles face in 10 or 20 years? O Charles would not face any disadvantage. O Charles would lose his life insurance coverage. His coverage amount would be reduced. His premiums could be substantially higher