Question $12(1$ point$)$During an insurance review with your client Lily, who is $59,$ she told you she had purchased a universal life insurance through a friend many years ago. You found out that the policy is running on a YRT costing method. She doesn't know too much about what she purchased and the plan has little cash value built up$.$Based on the above information, what should you explain to your client?a$)$ That she should deposit more money towards the policy.b$)$ That the cost of insurance will increase as she ages and she could lose valuable coverage later on$.$c$)$ That she needs to invest proactively in order to increase the cash value of the policy.d$)$That she can convert the policy to term insurance if she no longer needs the permanent coverage.