Hannah meets with Erin, a licensed insurance agent, to discuss her insurance coverage. Hannah has an existing Term 20 life insurance policy that she purchased 15 years ago with the main purpose of providing for her children if she passed prematurely. Hannah's children are now grown and she recently inherited a cottage. Hannah would now like her insurance coverage to pay any tax owing on the cottage when she passes so that it can be transferred to her children. Hannah's health has deteriorated since she applied for her policy and she is concerned that she may not qualify for additional coverage. Which of the following features on her existing policy would BEST meet Hannah's current insurance needs? guaranteed insurability benefit rider paid-up addition provisions guaranteed renewal provision conversion option