The premiums at issue or upon renewal are based on the attained age of the life insured at that time. Given this fact, which of the following statements is NOT true? Select one: a. If Tim, an applicant for a universal life insurance policy, was turning 33 tomorrow, using last birthday, his attained age would be 33 b. If John, an applicant for a term insurance policy, had turned 32 two months ago, using age next birthday, his attained age would be 33 c. For group insurance the rate is usually yearly renewabie term' and the age rate is the average age of all ife insureds covered d. If Sue, an applicant for a whole life policy is 32 and her birthday is March 26 , on September 27 her attained age would be 33 using age nearest birthday