16. Rick, aged 57, recently left his employment at the local agricultural mill. Over the last 35 yearg, he participated in the mins bcpp and acoumiated \$310,000. Now, he only works part-time as a trucker, with no othet retirernent savinga. Rick and his wife Sandra, aged 54 , have concerns oret the obilty f his DCPP money to provide them with a suitable income stream. They want that income stream to last as long as ponsible and for there to be a repayment of capital to their kids if they both were to pass away in the next 20 years. What type of annulty would best meet Sandra and Rick's needs? An accumulation annuify. A aingle-life Term-20 annuity. A joint and fast survivor annuity with a 20 -year guarantee period. A joint first-to-die annuity with a 20-year guarantee period