Cheng and Malini both apply for permanent insurance with you. Cheng opts for a Whole Life Participating (WL PAR) policy with a paid-up additions (PUA) option. Malini chooses a Universal Life policy (UL). They are very interested in increasing their coverage over time to cover future needs, over and above the built in features of the WL PAR and the UL. They have settled on the paid-up additions (PUA) rider. Which of the following correctly describes a feature of the PUA rider?

a)The PUA rider increases the death benefit but not the cash surrender value.

b)The PUA rider is only available on whole life policies.

c)Unused PUA amounts expire if not used each policy year.

d)PUA can be added at any time while the policy is in force.