Farzanah is applying for a $1,000,000 life insurance policy on her own life. The purpose of the policy is to provide income for life to supplement her husbands pensions. Her husband cannot be trusted to manage the proceeds of the policy, so Farzanah wants it to be managed in such a way that he could not touch the capital. The couple has no dependents. The insurance company offers a variety of death benefit settlement options from which the policy owner may choose and which may not be altered by the beneficiary at time of claim.

Which of the following options would best suit Farzanahs situation?