Dr. Craig McGilvary is an Endodontist who shares a practice with three other dentists. He and the other dentists are members of a plan which issues individual policies. Under the plan, the dentists in the group are guaranteed that coverage will be offered and policies will be issued without any coverage restrictions or premium ratings. Which type of plan is Dr. McGilvary a member of? long-term disability group guaranteed-to-issue guaranteed renewable 18 Oa) Ob) Oc) guaranteed standard risk 8888