In the case of a refund annuity, Select one: O a. if the annuitant dies, the designated beneficiary receives monthly payments until the total price of the annuity is paid back b. a specified monthly income is provided for a stated number of years without consideration of any life contingency O C. the monthly income provided by the policy varies as a function of the insurer's actual investment experience O d. the insurance company agrees to pay a guaranteed rate of interest on the insured's money e. the insurance company guarantees the annuitant a stated amount of monthly income for life