Candice and Darlene are partners and co-owners of La Trends hair salon. They have owned the business together for fifteen years and determine that they want to protect each other's ownership interest should the other become disabled and need to leave the business for an extended period of time. They approach you about insurance and they want a policy that will provide a guaranteed lump-sum benefit to fund the buyout by the surviving, able-bodied owner should the other owner become disabled. Which of the following arrangements is the one described in this scenario?

a) share redemption agreement

b) cross-purchase agreement

c) key person agreement

d) entity purchase agreement