Luce works as a freelance translator and has a gross annual income of about $$100,000.$ She does not have group life or disability insurance. She would like

to purchase life insurance to cover the needs of her young children in the event of her death. She can afford the premium payments but is concerned about

her capacity to make those payments if she suddenly became ill and could not work for several months.

What should her life insurance agent advise her to add at the time of underwriting?

An accidental dismemberment coverage.

A guaranteed insurability benefit.

A waiver of premium benefit.

An insurance conversion guarantee.