Nine months ago, Edgar was instructed by his insurance agent, Carol, to write a cheque to renew his life insurance. Carol put the cheque in her wallet. She lost her wallet the very same day and completely forgot about Edgar's payment. She also forgot to renew her errors and omissions coverage that was due two months ago Edgar died in a tragic car accident. His family made a claim for the death benefit, but was denied because the policy had lapsed. Who will have to compensate Edgar's family for the loss of death benefit? a) Carol, using personal assets. b) Carol's errors and omissions coverage. c) OmbudsService for Life & Health Insurance. d) The Canadian Council of Insurance Regulators