Duane is purchasing a home and requires mortgage financing. Upon meeting with the lender to sign the mortgage loan documents, the mortgage officer discussed creditor insurance. Group creditor insurance can include coverage for which of the following? Select one: a. Unemployment (unemployment insurance b. Death (life insurance) c. Disability (disability surance) d. All are correct. Simon has an LTC policy. The policy pays a maximum benefit of $2,000 per month for a maximum benefit period of five years. Simon is now unable to bathe himself or get in or out of bed. He is, however, able to get around in a wheel chair, and he simply sleeps in his chair. He is of sound mind and refuses to have anyone help him, and he will not agree to live in a long-term care facility. Will Simon's LTC policy pay him a monthly benefit? Select one: a. Yes. He is unable to perform two or more activities of daily living (ADLS), so the policy will pay out the monthly benefit. b. No while he does qualify for the benefit, the policy reimburses only actual costs incurred. c. Yes. The benefits from an LTC policy can be used completely at the insured's discretion d. We would need to know if he has a three-, four-, ten-, or twenty-condition policy