I need help on questions 14,15,16 please!!

14. All of the following are common modal annuitization payout options EXCEPT: a. lump-sum b. monthly C. quarterly d. annually 15. What is the process of converting an annuity's accumulated value into a periodic income stream? a. commutation b. annuitization c. dollar averaging d. laddering 16. Troy purchased a deferred annuity for $100,000, naming himself and his wife as joint annuitants and his daughter, Trudy, as beneficiary. Ten years later, the contract had grown to $235,000, and Troy decided to annuitize under a joint and survivor life payout. He and his wife had received income totaling $50,000 when Troy died. How much will daughter Trudy receive at Troy's death? a. $0 b. $100,000 c. $135,000 d. $180,000