Vern works for Alibi Software as a computer engineer. The company provides Vern with a group life insurance policy where the company also pays the premiums. However, Vern is considering purchasing an individual term life insurance policy. What would be a benefit for him in purchasing an individual policy in addition to his group policy?

a)	The underwriting standards would be lower than that of his group policy.

b)

It would ensure continuity of coverage in case his employer cancels or changes the coverage.

c)	The premiums would be cheaper.

d)

The death benefit paid by the personal policy would be tax-free unlike the group benefit which would be taxable to his estate.