Andrea's employer offers a group life insurance plan with basic coverage of $$100,000.$ Andrea wants to increase her coverage by purchasing additional voluntary life insurance through the group plan. She is $45$ years old and in good health. How is the insurer likely to deal with this?

A

Andrea will need to provide evidence of insurability for base coverage and voluntary coverage.

B

Andrea will likely need to provide evidence of insurability for voluntary coverage but not for the base coverage.

C

Underwriting for basic coverage will be limited to a few health$-$related questions; however, additional coverage will require full underwriting.

D

Evidence of insurability is always waived for optional coverage provided the added coverage is selected when the employee joins the plan.