Sven (age 38) and Nancy (age 34) have two children, Barry (age 4) and Brianna (age 2). Nancy is a business manager and Sven works part-time at a local grocery store. The couple meet with an insurance agent to discuss obtaining life Insurance and their main objective is to provide coverage for Nancy as the main income earner. They also would like to have some level of coverage on Sven and mention that having some level of insurance on their children would also be desirable. If Sven and Nancy were to add a family coverage rider, which of the following statements is CORRECT a) Sven and Nancy will need to purchase additional coverage at a higher premium if they have another child, b) The coverage for Sven will be underwritten based on Nancy's age when the rider is issued c) The term coverage on their children cart extend beyond the coverage for Nancy d) If Sven and Nancy have another child, the new child will be covered without an increase in premium