Gerard earns $$90,000$ a year and has a disability policy with a maximum monthly benefit of $$4,500.$ His policy includes a future purchase option $($FPO$)$ rider, which allows him to increase his monthly benefit by up to $15\%$ of his current coverage each year. Since applying for the policy, he has been diagnosed with an illness that now makes him an uninsurable risk if applying for a new policy. Gerard wonders if he can increase his coverage this year. What should you tell him regarding an increase in coverage?

A

It would be subject to financial underwriting.

B

It would be denied because the FPO does not apply after a medical diagnosis.

C

It would not be subject to any underwriting due to the FPO.

D

It would be subject to both medical and financial underwriting.