Nolita is an insurance agent and she meets with her client Alfonso Alfonso purchased a participating whole life insurance policy from Nolita several years ago At that time, Alfonso was in good health, but his health has since declined He is now considering making a few changes to his life insurance policy, but due to his health, he wants to avoid additional underwriting. Which of the following changes would require Alfonso to undergo underwriting

change his beneficiary designation from his daughter to his wife 

change the payment frequency from monthly to anually 

change his dividend option to paid up additions 

change the beneficiary status from revocable to revocable