Sylvie wishes to purchase Individual disability insurance and is eligible to receive $3,000 a month in benefits for a premium of $250 a month. However, unexpected expenses incurred over the past few months temporarily limit her ability to pay more than $125 in premium per month. Nonetheless, she believes that in the coming years she will be able to increase protection on a regular basis and pay the premium, but she is wondering how she would meet her additional protection needs if her health were to deteriorate. What do you propose? a) Add a future purchase option rider to her policy. Ob) Add a cost of living adjustment rider to her policy. c) Add a conversion option to her policy. d) Add an exclusion removal option to her policy