Candice, who is 41 years old, is concerned about the lifestyle her spouse will have in the event of her death, if she should predecease him. If her primary concern is adequate insurance coverage and cost efficiency, what recommendation would be most appropriate? A $300,000 term-to-100 insurance B $300,000 whole-life insurance C $300,000 20-year renewable and convertible (R&C) term insurance D $300,000 universal-life (UL) insurance