Vlad recommends an accident and sickness policy to his client Manjit. However, Manjit is concerned that the premiums are just outside of what she feels she can afford. When Manjit asks Vlad to recommend an option to make the premiums more affordable, which of the following would lower the premiums?

1. Add riders to the policy
2. Reduce the amount of the benefit
3. Reduce the waiting period
4. Extend the benefit period