Fwen has been an employee of Drill it inc. for the past 10 years, working on various oil drilling sites throughout the world. Recently, he was promoted to a management position in the compary's heod office. In this new position, his work duties will be conducted within an office (instead of on an oil rig). This is great news for Evan, as he has since gotten married and warted to cut out his work travel. He has an existing disability insurance policy that he took out 10 years ago when he began working. A rider on the policy has allowed him to increase his coveroge over the years, to keep pace with his rising salary. Evan is meeting with his insurance agent for an annual review of his coverage. Which of Evan's recent life events should be disclosed to the insurer? a) His new duties, as they affect his risk rating. b) His marriage, to increase his benefit to include his spouse's income. c) Thot he now works in an office, to qualify for business overhead expense coverage. d) That he is 10 years older, to adjust his premium rates accordingly