Kathy, age 29, is married and has a son, age 3. She owns a $100,000 ordinary life insurance policy that contains a waiver-of-premium provision, guaranteed purchase option, and accelerated benefits rider. Kathy has several financial goals and objectives for her family. For each of the following situations, identify an appropriate contractual provision or policy benefit that will enable Kathy to meet her financial goals. Treat each situation separately. A. Kathy is totally disabled in an auto accident when she failed to stop at a red light. After six months, she has not recovered and remains totally disabled. As a result, she cannot return to her former job or work in any occupation based on her previous training and experience. She finds that the premium payments for life insurance are financially burdensome. B. Kathy is terminally ill from a serious heart condition. Kathy’s physician believes she will die within one year. Kathy has no savings and health insurance, and her medical bills are soaring. She needs $50,000 to pay all medical bills and other financial obligations.