Jia-Xin is discussing a new life insurance policy with her client, Lim. In addition to life insurance, Lim also wants critical illness insurance. Jia-Xin recommends that Lim should purchase critical illness insurance as a rider, rather than a stand-alone policy. Why is she recommending this approach? YUdWZDgza2/wajlYb1|sak|hRkE2dz09 a. A rider added to a policy results in lower premiums than a life policy and a stand-alone critical illness policy. b. If Lim needs to claim the benefits from the critical illness rider, he will also be able to access funds from the life insurance component under the terminal illness benefit. c. Lim will pay the same premium either way, but the paperwork and administration costs will be less for Jia-Xin and the insurance company. d. Lim ends up with the same coverage, but Jia-Xin earns a higher commission with a policy that includes riders