Four years ago, Gina purchased a Term 20 life insurance policy. On her application, Gina indicated that she was a non-smoker, when in fact, she was a casual smoker and sometimes had a few cigarettes on the weekends when having a drink with friends. At the age of 43, Gina has just died in a car accident. As a part of the investigative process, the insurance company has discovered that Gina was a casual smoker at the time of her application. Which of the following statements best describes the outcome of this situation? Ja) The insurance company can no longer void the contract because the two year contestability period has passed. b) Gina's death benefit will be re-calculated at smoker rates based on her premium and the reduced benefit will be paid accordingly. O c) Gina's death benefit claim can be denied by the insurance company because she lied about smoking status on the application. J d) The insurance company is still obligated to pay the death benefit because the cause of death was unrelated to smoking