Brandon recently completed a life insurance needs analysis for Fran and Caleb which shows they need a mix of term and permanent policies. Since the couple are both fairly new in their careers, they don't have the cash flow to support the premiums for the coverage as suggested. What solution should Brandon suggest given their current situation? 

 a) Universal life 

b) Convertible term

 c) Accidental death and dismemberment

 d) Term-100