Problem
Ban Wong (27) is a civil engineer. Ban is single and in good health. However, Ban has a family history of heart disease and high blood pressure. Ban's annual medical exam did not identify any such issues, but he wants to be cautious and secure his future. He is considering disability insurance and he wants protection that is guaranteed to renew each year until age 65, and will have an "any occupation" definition of disability. Ban is willing to accept premium modifications by the insurer that affect the entire class of policies in exchange for a lower premium. Which is the option which BEST describes the insurance protection that Ban is seeking?