Sophie is 31 years old and in excellent health. Three months ago, she separated from her spouse. She was subsequently diagnosed with an anxiety disorder and had to take two months off. Having no income replacement insurance, she received employment insurance benefits, and realized that these benefits were clearly insufficient given her income of $70,000 a year. Sophie has now been back at work for a week. If Sophie decides to apply for an individual/disabilty insurance policy. what should she expect from underwriting? Her application will likely be approved without any restrictions, as she is in good health. O Her application will likely be declined because of her morbidity risk. O Her application will likely be declined because of her mortality risk. Her application wil/likely be approved with an exclusion for anxiety disorders.