Matt, aged 44 , is a selfemployed pharmacist. in his twenties, he suffered from severe bouts of depression, for which he was prescribed various medications. Today, he is healthy and active. He enjoys rock climbing in the summer and is part of an avalanche patrol tearn in the winter soon ro be married, Matt thinks it's time to purchase a life insurance policy to cover his mortgage and to provide for his new partner-and her chideren-in ease something happened to him. Because of his medical history and intense activities (which caused him to custain many an injury). Matt is concerned abean having to pay very high premiums to secure the amount of life insurance he needs. How might an insurer provide Matt with the coverage he wants at a price he can afford? The insurer could impose exclusions on the policy. The insurer could impose a five year suicide clause on the policy. The insurer could offer a policy that provides no living benefits. The insurer could offer a limited amount of coverage at first, with a provision to increase coverage after the incontestablity period