Dominique, age 70, has just retired. She is not interested in the stock market and explains that she would like to structure a stable income stream for herself in retirement. However, a high priority for her is to leave an inheritance to her children and grandchildren when she dies. Given Dominique’s needs, which of the following would be the BEST option for Dominique?

a) Accumulation annuity

b) Insured annuity

c) Joint annuity

d) Term annuity