Russell is an insurance agent and he meets with a prospective client, Katarina. Katarina is a relatively new Canadian in the sense that she recently moved from Hungary to Canada. Although she is not a Canadian citizen, Katarina has just been granted permanent residency status in Canada. Katarina is interested in obtaining life insurance. Which of the following statements about Katarinas application for life insurance is CORRECT? a)Katarina may be subject to different underwriting requirements. b)Katarina would not be eligible for a temporary insurance agreement (TIA). c)Katarina would not be eligible for the same coverage as a Canadian citizen. d)Katarina may face an exclusion due to her non-citizen status.