Denis decided to leave his present employer and start up on his own. However, he is worried about losing his group insurance, particularly the disability coverage portion, having recently learned from his physician that he has mild diabetes. Denis consults his employer's group insurance representative to see whether his group plan offers any options for his predicament. What solution can the representative recommend in Denis' situation? a) Exercise the future purchase option. b) Exercise the review of rating option. c) Exercise the review of an exclusion option. d) Exercise the conversion option