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4. Virgil Cronk wants to purchase a life insurance policy that will allow him to increase his future coverage without having to take another medical exam. Virgil's family has a history of cardiac problems. Name at least two policy riders that he should consider adding to his policy. Latesha Moore has a choice at work between a traditional health insurance plan thinat pays 80 percent of the cost of doctor visits after a $250 deductible and an HMO that charges a $10 co-payment per visit plus a $20 monthly premium deduction from her paycheck. Latesha anticipates seeing a doctor once a month for her high blood pressure. The cost of each office visit is $50. She normally sees the doctor an average of three times a year for other health concerns. Comment on the difference in costs between the two health-care plans and the advantages and disadvantages of each