Bonita and Vincenzo are in the process of obtaining a mortgage through Sovereign National Bank to purchase their first home. Simpreet, the mortgage advisor at Sovereign National, tells them that they should consider applying for the creditor disability insurance for their mortgage. However, Bonita and Vincenzo already have group disability coverage through their employer plans. When they ask their insurance agent, Maureen, about the difference between creditor disability insurance and their group disability coverage, which of the following statements is CORRECT? Bonita and Vincenzo would be considered the policyholders of the creditor disability policy. The premiums on the group disability policy would be higher than the creditor disability policy. Sovereign National Bank will be the life insured for the creditor disability policy. Both the group plan and the creditor insurance plan would have limited underwriting. Oa) Ob) Od) 8888