Tommy, A licensed insurance agent, meets with his client Ryan and Grace to review the universal life UL insurance policy they purchased two years ago. A lot has changed for the couple as they recently welcomed the addition of their first child, Gloria. The policy is on Ryan's life with Grace named as a beneficiary. While reviewing the policy. Tommy recommends several changes. Which of the following changes would require underwriting?

a. Decreasing the monthly premium

b. Adding Gloria as a beneficiary via a trust

c. Making changes to the investments

d. Adding a family rider to the policy