Farley has determined that he needs life insurance coverage of $500,000 and he reviews several insurance policies offered by different insurers with his insurance agent, Jillian. In addition, given his family's history of Parkinson's, he is also considering a critical illness (CI) insurance policy. Two of the policies Farley reviews include a dread disease (DD) benefit rider.When Farley asks about DD benefit riders, which of the following statements is the CORRECT response that Jillian should provide him?

a)If Farley was diagnosed with Parkinson's, the policy would automatically pay a lump sum equal to the death benefit of $500,000 under the dread disease (DD) benefit rider.

b)The benefit of bundling the critical illness coverage through a DD rider with the life insurance policy involves less stringent underwriting standards than an individual CI policy.

c)The cost for a DD rider is often more costly than if purchasing a CI policy independently due to the duplicated costs of underwriting both policies.

d)Each policy may not have the same list of covered conditions and Farley should ensure the policy he is considering covers Parkinson's.