James Perruzza and Kristen Rodrigues have teenage twins about to graduate high school and a big house with an equally big mortgage. They have moderately good income, but it is quite variable because both are commissioned salespersons. Kristens employer has a pension plan but James does not. They are 45 years old. The most suitable type of life insurance for them is: a. Whole life insurance b. 20 year term Insurance c. One year term, and renew it every year. d. Universal life insurance e. Decreasing term insurance