Allison is a single mother who recently got a promotion at work. The additional income will help her cash flow. She is looking to buy additional life insurance so she can ensure her children, currently ages 13 and 11, can go to college, and there is money to fund a trust for them should she die before they get to college. She anticipates needing at least $500,000 in death benefit. Which of the following types of life insurance would best fit her need? A) A variable universal life policy B) A 30-year term policy C) A whole life policy D) A 10-year term policy