Question $34(1$ point$)$Sarah plans to buy a whole life policy. Her needs should increase slightly each year, but she doesn't want to provide evidence of good health each time her coverage increases. In light of these factors, she agrees to pay a slightly higher premium. She also wants to maximize her cash surrender value, because tax$-$sheltered savings are advantageous for her.Which addition best meets Sarah's life insurance needs?a$)$ Paid$-$up additions $($PUA$)$ rider.b$)$ Guaranteed insurability benefit rider. c$)$ Dividend payment option $-$ Accumulation.d$)$ Dividend paymerit option $-$ Paid$-$up addition.