Christina is a divorced independent marketing consultant age 32, in excellent health, with two young children. She took out a $100,000 whole life insurance policy seven years ago, before the children were born. At that time she was employed in an administrative capacity in a real estate office and had a limited income. She appreciated the value of permanent life insurance but was concerned about her ability to afford whole life premiums over the long-term. Consequently, she chose a dividend option that applied the annual policy dividend to reduce the premium due each year. Christina is now doing much better financially and can easily afford the annual premium. With two children dependent on her she is concerned, however, that the death benefit of her policy should increase with inflation over the long-term. What dividend option could Christina select to meet her current needs? 

A) The paid-up addition dividend option 

B) The cash dividend option 

C) The accumulation dividend option 

D) The premium reduction dividend option