Last year, Colleen purchased a non-participating whole life insurance policy. This week, she started a new job that has a group benefits plan, which includes group life insurance. Colleens employer pays the premiums related to her group life insurance. Colleen meets with you to discuss her protection, and wants to better understand the differences between her group plan and her whole life plan. Which of the following CORRECTLY describes Colleens life insurance coverage?

a)	The premiums paid by Colleens employer are not considered taxable benefit.

b)	In both the group and the individual plans, Colleen is the policy owner.

c)	In neither the group nor the individual plan can Colleen build cash value.

d)	Colleen can get a nominal amount of group life insurance with no medical underwriting.