You meet with your client, Fernanda (32), for an insurance needs analysis. Based on your discussion, you recommend that Fernanda purchase a four-condition, permanent, critical illness (CI) insurance policy. Which of the following statements CORRECTLY describes Fernanda's policy?

1. Fernanda's coverage expires at age 75
2. Fernanda's coverage expires at age 100
3. Coronary bypass surgery is covered under Fernanda's policy
4. Muscular dystrophy is covered under Fernanda's policy

a)i and iii

b)i and iv

c)ii and iii

d)ii and iv