Your current client, Adele, has requested a meeting with you to discussher life insurance policy. When her policy was issued a year ago, she was in a rated risk class because she was significantly overweight. Since then, Adele has lost weight and has lost 40 pounds in the last year alone. She knows she is better than average on the height-weight charts for her age and she wants her rating removed. Which of the following is the correct response that you can provide her?
a) Because of the significant change in weight, you can arrange to have the rating automatically reduced and premiums lowered.
b) A physical examination from a nurse will be required to take Adele's height, weight, blood pressure, urine test, and blood test.
c) Once a rate class has been assigned, it cannot be changed and Adele should cancel her existing policy and apply for a new policy.
d) An Attending Physician's Statement (APS) will likely be required to confirm that Adele's weight no longer warrants the rated risk class.