Shannon has a universal life (UL) policy that she purchased when she was in her 20's. She has two children now and her salary is significantly more than it was when she obtained the policy. She is meeting with her insurance agent Joan to discuss increasing the face amount of the policy to account for her additional expenses. Shannon is taking a sabbatical next year and would like to take advantage of the flexibility with the premiums and wants to continue paying the same amount for the next year. What would be the outcome of this change to Shannon's UL policy? QORIS3Ubj|FaHBFY3VLMWQwVVJ1UT09 C a. The cash value will decrease because of the mortality costs. b. The mortality costs will decrease because of the increased cash value. c. O The modal factor will be recalculated with the increased face amount. d. The administrative expenses will increase because of the increased face amount