I am offered by life insurance companies and financial firms. The customer pays periodic premiums or a lump sum in return for a payment each year upon retirement. Who am I?

a.a defined contribution plan

b.a defined benefit plan

c.an annuity

d.Social Security

e.long-term care insurance

1.Which of the following does not lead to invalidating the terms of an existing will?

a.a legal codicil made by the person that expressly puts forth changes.

b.the person not having witnesses when signing his/her will.

c.definitive evidence that the person was not of sound mind when making his/her will.

d.a divorce recognized by law.

e.construction of a new will that supersedes the previous will.