14 Joy and Adam are a couple and both have invested in segregated funds. Joy...

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14 Joy and Adam are a couple and both have invested in segregated funds. Joy has invested in a group segregated fund contract, whereas Adam has invested in an individual segregated fund contract. Which of the following is an advantage that Joy has over Adam's segregated fund investment? enlPOVRZEXIYYUd3RWFBQOEvdGXDQT09 0 a Joy's plan offers group plan special rates, whereas Adam's plan does not offer such speciat rates. b. Joy will pay a lower management expense ratio (MER) under the group contract compared to the MER paid by Adam under the individuat contract. c. Joy's plan resets automatically when the market value improves, whereas Adam's plan requires him to submit a request for reset. d Joy's plan offers 100% maturity and death benefit guarantees at no additionat costs, whereas Adamis plan offers such guarantees for additional costs. entPOVRZEXIYYUd3RWFBQOEvdGXDQT090

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