hurry please

Colleen, age 40 , is reviewing a proposal for the purchase of individual disability insurance where she will be the policy owner and life insured. Colleen has a $5,000 annual budget for the plan. The proposal that Colleen has before her includes a monthly benefit based on 70% of her after-tax income up to a maximum of $10,000, a 30 -day waiting period and a 5 -year benefit period. The current cost associated with the plan is too high, and Colleen is looking to reduce the premium. Colleen knows that certain changes will reduce the cost, and others will increase it. Identify the changes to the plan, that if made, would increase Colleen's overall cost. 1. Change the benefit period from 5 years to age 65 . 2. Change the waiting period from 30 days to 90 days. 3. Change the benefit maximum to $7,500. 4. Change the benefit percentage to 75%. a) 1 and 2 b) 1 and 4 c) 2 and 3 d) 3 and 4