Maxine meets with Bolin, an insurance agent. Maxine is in the process of purchasing a home and requires insurance. However, she can't decide which type of policy is best for her. The financial institution where she has her mortgage is encouraging her to purchase creditor life insurance. She is also eligible to enroll in her group life insurance plan through her employer. She also wants to consider purchasing an individual life policy. When Maxine asks Bolin to explain the difference between the three options, which of the following answers is CORRECT? 

a) With creditor insurance, Maxine can designate her husband or another family member as beneficiary.

b). With creditor insurance, a claim could be denied as a result of underwriting that is done after the life insured dies.

c). With group insurance, base coverage rates would be affected only by smoker or non-smoker status.

d). With group insurance, base coverage rates would be affected only by age and sex.