Dr$.$ Smith earns $$240,000$ a year as a dentist. When he applies for a disability insurance policy, he learns he is eligible for a $$12,000$ monthly benefit. During underwriting, the insurer finds that Dr$.$ Smith also receives $$15,000$ per month in unearned income from rental properties. Which action is the insurer most likely to take when issuing Dr$.$ Smith's policy?

A$)$ The insurer may issue a conditionally renewable policy.

B$)$ The insurer may decline the policy.

C$)$ The insurer may issue a policy with a lesser amount of disability benefits than what Dr$.$ Smith applied for.

D$)$ The insurer may issue a rated policy.