Ping and Tan have been married for 5 years and have 2 young children. You meet with Ping and Tan to discuss their insurance needs and after your analysis, you recommend a joint first-to-die Term-100 policy on the lives of Ping and Tan. You also recommend a child coverage rider for their 2 children. However, Ping informs you that she and Tan are planning to have another baby next year.When Ping asks you whether the policy will cover the new baby, which of the following is the CORRECT response that you should provide to her?

a)The new baby can be added to the existing policy as long as there is evidence of insurability, although the premiums may increase slightly.

b)The new baby can be added to the existing policy as long as there is evidence of insurability, and the premiums will not increase.

c)The new baby can be added to the existing policy without evidence of insurability, although the premiums may increase slightly.

d)The new baby can be added to the existing policy without evidence of insurability, and the premiums will not increase.