A forty-year old with a family of four is saving to buy a home in five years. What would be the most appropriate advice you could give him regarding the purchase of a variable annuity: Select one: a. don't buy one because the tax penalty when withdrawn in five years would be severe. O b. buy one because the death benefit associated with an annuity would protect your family from any loss that may have otherwise occurred. don't buy one because mutual funds outperform variable annuities. c. O d. buy one because it can provide an income stream he cannot outlive