$24.$ Sharon, an insurance producer, has determined in client data$-$gathering that her client needs additional life insurance and is highly risk$-$averse. Which of the following is most likely to be affected by that determination?

$($Search Chapter $4)$

a$.$ the amount of total life insurance needed

b$.$ the amount of any federal estate taxes due at death

c$.$ the size of the survivor income needed

d$.$ the type of life insurance recommended