Ruby has a critical illness insurance contract and a life insurance policy which she purchased through an agent from XYZ Insurers. Her agent informs her that XYZ Insurers is now bankrupt but her policies are protected by Assuris. Ruby asks about the level of protection offered by Assuris. Which of the following responses given by the agent is FALSE?

LO The accumulated value is protected at $90\%$ of the value, up to $$100,000.$

b$.$ The death benefit is fully protected for values up to $$1,000,000.$ For values greater than $$1,000,000,$ Avwirls protects $90\%$ of the benefit or $$1,000,000,$ whichever is higher

LO The cash value is protected up to $$100,000$ or $90\%$ of the cash value, whichever is higher.

$4.$ The manthly disability benefit is protected up to $$3,000/$month or $90\%$ of the promised benefit, whichever is highet