29 Titus and Sheila are recently engaged and are evaluating their insurance needs. Their combined earned income is enough to buy a house with a 75% mortgage: $112,000 with a 15-year amortization. Titus and Sheila's employers do not have a pension plan, but they have been contributing to their individual Registered Retirement Savings Plans (RRSPs) for several years. If Titus dies prematurely, Sheila would need an income supplement to replace at least part of Titus's earned income, addition to paying off the mortgage. Which is the best product to protect the outstanding mortgage? a. O Term insurance to age 65 b. 15-year non-renewable term insurance c. O Universal life insurance d. O 15-year renewable and convertible term insurance