You meet with a prospective client, Jenna, to discuss her insurance needs. Through your needs analysis, you determine that Jenna needs approximately $200,000 of life insurance, but you are concerned about her medical history. Jenna mentions that she will be starting a new job in a few weeks. Her base salary will be approximately $100,000 and she will have an option to join the group plan which provides 2 times her salary as a life insurance benefit. When Jenna asks you whether there is any advantage to the group plan over an individual policy, which of the following is the CORRECT response that you should provide to Jenna?
a)		Premiums paid in a group plan are tax-deductible for the group member.
b)		Premiums paid in a group plan are based on the group and not the individual.
c)		Group plans typically have a shorter waiting period than individual plans.
d)		Group plan premiums are not subject to provincial insurance premium taxes.