Robert is the owner$/$insured under a $$150,000$ life insurance policy and submits a claim for payment of the policy's accelerated death benefit for terminal illness. The insurer approves the claim. Which of these statements is true?

$($Search Chapter $2).$

a$.$ Robert had to provide proof that he was unable to perform all of the activities of daily living that are specified in his policy.

b$.$ Robert had to provide written agreement to the accelerated payout from his son, who is the policy's revocable beneficiary.

c$.$ Robert had to provide proof that he is under a plan of care prescribed by his physician.

d$.$ Robert must be given the opportunity to receive the accelerated amount as a lump sum.