Avery meets with Elzira, an insurance representative. Avery, age 66, has recently retired and wants to use her savings to generate retirement income. She wants a product that will provide her with a retirement income for the rest of her life. She also wants to provide her husband with an income for a fixed period, in the event that she should die within the next 10 years. Which of the following types of annuities would meet Avery's objectives?

a)life annuity contract

b)10-year fixed term annuity

c)life annuity with guarantee

d)joint and survivor life annuity