Arjun, a carpenter, is evaluating his need for long$-$term disability insurance. His agent suggests s policy that offers a monthly beneft of $57,800($which covers $60\%$ of Arjun's average monty income$)$ payable until he turns $65,$ with a $45-$day waiting period. Arjun has savings equirnient to four months of his expenses, and he is averse to reducing his momhly benefit or the policy term.

However, upon receiving the policy proposal, Arjun finds that his premiums are higher than expected owing to a health rating adjustment. He desires a more affordable payment plan.

What is the most sensible policy adjustment for Arjun to consider reducing his premium without sacrificing crucial coverage terms?

Select one:

O a$.$ Reapply for coverage after a ifestyle change O b$.$ Extend the benefit period O c$.$ Lower the benefit amount

$$ d$.$ Increase the waitting period