Jolie has purchased a whole life insurance policy on June 30, 2008. The details of the policy are as follows:
■ Basic plan sum assured RM200,000 with waiver of premium rider
■ Accelerated critical illness rider of RM100,000
■ Hospital benefit rider of RM200
■ Disability income rider of RM10,000 

Indicate the extent of the insurer’s obligation to Jolie or her beneficiary. Treat each event separately.

a. Jolie fails to pay the third annual premium, which was due on June 30, 2011. She dies 20 days later.

b. Jolie commits suicide in the twelfth month after purchasing the policy.

c. Jolie is seriously injured in an accident. After six months, doctors confirm that she is permanently disabled.

d. Jolie wants to retire and does not wish to pay the premium on her policy. Indicate the various options that are available to her.

e. Due to financial problems, Jolie lets her policy lapse. After three years, she wants to reinstate the policy. She is in good health. Advise Jolie how she can reinstate her policy.