Jill is meeting with her life insurance agent, Doug. Jill, age 45, and her husband Keith, age 48, both earn a good living and would be able to sustain their lifestyle should the other pass away. They do not have any children and do not plan on having any children. Jill and Keith are very philanthropic and would like to purchase an insurance to leave $500,000 for their favourite charity upon them dying. They would like to keep the premiums as low as possible. Which recommendation is best suited to Jill and Keith's objectives? QWZ2NIBpMDhvZU5yRINaUmFCcONOdz09 a. A T-100 Level cost of insurance policy on Keith b. A joint first-to-die whole life policy c. A joint last-to-die whole life policy d. A T-100 Level cost of insurance policy on Jill