$37.$ Which of the following individuals would have the greatest need for permanent insurance rather than term insurance?

a$)$ Gina wants to pass the cottage to her children when shin dies, but is worried about the tax consequences.

b$)$ Tony wants to make sure his wife isn't left to pay the mortgage alone if he were to die prematurely.

c$)$ Adam requires protection to make sure a child support obligation is fulfilled in the event of his death.

d$)$ Melanie wants to make sure her kids have $$100,000$ to pay for university costs in the event of her death.