Christine owns a bakery in her community and has 2 adult children who are actively involved in the business. She would like to pass the business to her children when she dies, although she expects there will be a significant capital gains tax due at that time. Further, Christine’s children live with her in the family home. Although Christine expects to be debt-free later in life, she currently has a mortgage on her home. She is concerned that if she were to die now, the children would have financial difficulty trying to maintain the house and the bakery. Based on this information, which of the following insurance strategies would be MOST appropriate for Christine?

Whole life with child coverage rider

Universal life with family coverage rider

Universal life with term rider

Term-100 with GIB benefit rider