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Please use the following information to answer questions 13 to 15. Melanie has just acquired an individual life insurance policy at the same time she took a newjob. Her new employer offers a comprehensive group insurance package of life, disability and health insurance. By coincidence the insurance company that issued her individual policy also provides the group insurance coverage. 13. 1Which of the following comparisons of her individual and group life insurance coverage is correct? (A) Melanie has named her father as beneciary of her individual policy. She can name only her estate as the beneciary of her group life insurance policy. (B) Melanie will receive a policy contract for each of her individual and group policies that detail the provisions and conditions of the coverage. (C) Her employee class will dictate Melanie's level of group coverage, while her individual coverage is dependent on need and affordability. (D) Melanie can select any plan of insurance for her group life insurance coverage, just as she could for her individual plan. 14. As a member of her group insurance plan what is Melanie's relationship with the insurance company? (A) Melanie is a policyholder of the insurance company and a party to the group contract. (B) Melanie is entitled to apply to the insurance company to change or terminate her group insurance coverage. (C) Melanie is named as an insured under the group contract and she is required to pay a portion of the entire group insurance premium in order to keep the contract in force. (D) Melanie has no relationship with the company, other than as a group plan member who is insured under the master policy. 15. Melanie has applied for the waiver of premium benet on her individual life insurance plan and her employer has assured her that there is a waiver of premium benet under her group insurance plan. What coverage conditions can Melanie expect under each plan? (A) Melanie must be disabled for a specic period of time before the premium waiver on her individual policy becomes effective. The waiver of premium benefit under her group plan becomes effective as soon as she is considered disabled by the insurance company. (B) The waiver of premium benet under Melanie's individual plan will pay her a monthly benefit as well as waiving the premium. The group insurance waiver of premium benefit only foregoes the premium falling due under the group plan for Melanie's coverage. (C) Both the individual and group waiver of premium benets will waive premiums until her age 65, if she becomes disabled for any period of time. (D) Melanie will have to submit a formal claim and proof that she is disabled under the provisions of the waiver ofpremium benets for both her individual and group insurance coverage, and have her claim approved by the insurance company