Kumar applies for a disability insurance policy through Better Life Insurance Company and meets with his agent, Carmello, to review the application. Kumar's application indicates certain health and lifestyle issues that may result in assessing him as higher risk than "standard". Carmello advises Kumar that he will send the application to Better Life for underwriting, Kumar asks Carmello about the factors that could affect the cost of his premiums. Which of the following factors could have an impact on the policy premiums which are specific to Kumar's policy? 15 0 Oa) Ob) investment returns ratings Oc) Od) morbidity rate lapse rate 8888