Caleb and Carrie are married. The couple are looking to purchase a permanent insurance policy that would ensure the surviving spouse maintains the same standard of living if the other spouse passed away prematurely. They are looking for a policy with the most affordable premium. Which of the following options would be most suitable? a) Term-100 joint-last-to-die. (b) Term-100 joint with rights of survivorship. Term-100 joint-first-to-die. d) Individually owned term-100 policies