Assignment task: Allan is planning to quit his job and start his own business. Allan was recently diagnosed with heart disease for which he is receiving treatment. He is covered under his employer's group insurance plan and would like his life insurance coverage to continue even after he resigns. Allan is also thinking of purchasing an individual life insurance contract instead of converting the group coverage into an individual plan. Which of the following is a reason why Allan should opt for the conversion option? a. Allan can obtain coverage of up to $1,000,000 using the conversion option without providing evidence of insurability. b. Allan's heart disease might prevent him from getting approved for a new insurance contract. c. Allan will have access to more riders and supplementary benefits with a converted policy. d. Allan will have fewer restrictions and exclusions on a converted policy.