Melissa is a $25$ year old doctor who has applied for a universal life insurance policy. Underwriting required a paramedical and blood work which found Melissa has Type $1$ early onset diabetes. They also found that she has an $"$at fault" accident and $2$ speeding tickets within the last $2$ years on her driving record. Given this scenario which of the following statements is most correct? This policy will:

Select one:

a$.$ Have a permanent rating on her driving record

b$.$ Be issued as a standard risk with standard rates

c$.$ Have a temporary rating on her driving record

d$.$ Have a temporary rating for diabetes