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 $10-$year term policy

C$)$

A whole life policy

D$)$

A $30-$year term policy