Zander applies for a universal life (UL) policy with a death benefit of $300,000 with his wife Georgina named as the beneficiary. He works with his agent, Sabrina, to determine how much he will deposit into the policy on a monthly basis. When Zander asks Sabrina about how the deposits for the UL policy will work, which of the following is the CORRECT response that Sabrina should provide Zander?
a)		If Zander reduces the face amount of the policy and keeps the deposit the same, the investment account will accumulate faster.
b)		The minimum that Zander should deposit should be enough to cover the mortality and administrative costs.
c)		Once the initial deposit amount is set, Zander will not be able to change the deposits or face amount of the policy.
d)		If the policy becomes maximum-funded, Zander will no longer be allowed to make maximum deposits to the policy.