Martha secured a $$75,000$ critical illness insurance policy five years ago. She has just been diagnosed with a life threatening cancer. Her friend advised her to check the policy details while she undergoes treatment.

When Martha reviews her policy, what critical step must she ensure her representative takes following her diagnosis to utilize her coverage effectively?

Select one:

$$a$.$ Confirm that the policy will automatically convert her coverage to permanent life insurance O b$.$ Present medical evidence of her diagnosis within $90$ days and ensure she survives a

waiting period

$$c$.$ Ensure that the cancer treatment is completed before fling any claims

O d$.$ File a claim immediately for the $$75,000,$ which will be issued on the same day