and beneficiaries

Allan is a recent university graduate and has just landed his first job. You have been referred to Allan, and your interview with him provides the following profile:

He is a motivated, focused professional.

In all probability, he will marry and begin a family within $5$ years,

$$ He is entrepreneurial and wants to be in business for himself.

$$ Not risk averse with respect to investments.

He asks you to recommend a life insurance policy that meets his current needs and provides the flexibility he requires for the future. You propose:

Select one:

a$.$

Non$-$Par WL insurance with WP and GIB

b$.$

C$.$

Universal Life, affordably overfunded, level Death Benefit, with WP and GIB

Renewable and Convertible Term Insurance d$.$

Term to $100$ with WP and GIB