Which is the right ans?

Tiger worked for a small golf club design firm and earns $36,000 a year. The firm offers no group insurance, so Tiger bought his own individual life and disability coverage. The insurance company agreed to cover Tiger to a maximum benefit of 70% of his then-current salary. In order to keep premium costs to a minimum, Tiger decided to take out only $1,500 a month of coverage. He wanted to keep his option open for future insurance, so he also purchased a Future Purchase Option (FPO) rider to allow him to acquire up to 20% of the initial face amount of coverage at different intervals. This rider also lets Tiger get that coverage without having to provide evidence of insurability as long as he qualifies financially. It is now four years later and Tiger is earning $60,000 a year. While Tiger has not missed many days of work since he started working for the company, he has developed a serious back ailment since he purchased his policy, and is concerned he could be off work for considerable periods in the future because of his bad back. What is the maximum amount of additional coverage he could apply for this year under the FPO rider? $600 per month $400 per month Tiger is not able to purchase any additional coverage. $300 per month