Mary$-$Anne is a life insurance agent who is in the process of replacing her client$$s current life insurance policy with a new one from another insurance company. Given this scenario which of the following statements is most correct?

Select one: a$.$ This is allowed as long as Mary$-$Anne gets approval from the current insurance company b$.$ This is not allowed as it is considered twisting c$.$ This is allowed and Mary$-$Anne must have her client sign the LIRD d$.$ This is not allowed as it is considered churning