Melissa is a freelance design artist. She has gross annual income of $75,000. She does not have any 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. At the present time, Melissa can afford the premium payments; but she is concemed about her ability to do so if she suddenly became ill and could not work for several months. What should her insurance agent advise her to add to her policy at the time of application? Select one: a. An insurance conversion guarantee. b. A guaranteed insurability benefit. c. An insurance conversion guarantee. d. A waiver of premium benefit