Connie is in the process of purchasing a house and is arranging for her mortgage financing. She would like to have some level of disability coverage and is not sure if she should purchase the mortgage disability insurance available from the bank or if she should instead purchase an individual disability policy. Which of the following statements concerning Connie's options is CORRECT?

a)Mortgage insurance has more stringent underwriting than individual insurance.

b)The beneficiary for mortgage insurance is different from an individual disability policy.

c)The benefits from mortgage insurance can be used for any purpose.d)The definition of disability is the same for mortgage insurance and individual disability policies.