Scott recently purchased a new home and obtained a mortgage loan for 80% of the purchase price. The same bank offered him a $15,000 line of credit. Scott did not specifically request a line of credit but figured it couldn't hurt to have the available credit. The bank also offered him creditors insurance. Instead, Scott decided to discuss his insurance needs with you given you specialize in insurance. After doing a complete needs analysis with Scott, you recommended a non-cancellable, regular occupation disability policy with a benefit period to age 65, a 30-day waiting period, and $3,000 in monthly benefits. Scott cannot quite afford the premium, but he agrees that he needs the coverage. What is the simplest and most effective way to adjust the policy provisions to ensure that Scott can put coverage in place?