Harjit and Rhea are very happy with the arrival of their 5^th child, a 1 month old son. When their first child was born 10 years ago, Harjit purchased a Term 20 policy with him as the life insured and he added a Family Coverage rider. Which of the following statements about Harjits Family Coverage rider is true?a)The new born will be covered, however the premium will increase based on the number of lives insured.b)The new born will not be covered since the limit is a maximum of 5 lives, spouse and eligible children.c)The new born will not be covered until he reaches 1 year of age but proof of insurability is required.d)The new born will be covered because he has reached 15 days of age and no proof of insurability is required.