i want correct ans

Mulan and Shang are joint owners of a web design firm, with each of them owning 50% of the shares of the company. The total value of the company is about $1,000,000. The pair has a cross-purchase buy sell agreement that calls for the surviving shareholder to buy the shares of the other in the event of death or disability. The disability portion of the agreement cal for the full buyout of the interest of a disabled shareholder who has been disabled for one year. The purchase price of the buyout is based upon a market valuation of the shares, to be completed by a third-party evaluator at the time of buyout. Which of the following combinations of features would be most appropriate for a disability policy employed to fund the buyout? A waiting period of 90 days; a regular-occupation definition of disability; a lump- sum benefit of $1,000,000: a COLA rider A two-year waiting period, an own-occupation definition of disability, periodic disability payments: a COLA rider. A waiting period of 12 months an own-occupation definition of disability: a lump-sum benefit of $500.000. a future purchase option rider A waiting period of 12 months an any occupation definition of disability: periodic disability payments a future purchase option rider