John, age 30, is the family head. The current balance of his home mortgage is $200,000 and he needs to pay his home loan in the next 20 years. John wants to purchase life insurance to pay off his mortgage for his surviving family members if he should die. Assume this is the only reason John wants to purchase life insurance. As time goes on, Johns loan balance will goes down. As his needs for life insurance go down as time goes on, the most appropriate life insurance for John is

Group of answer choices

A) Whole life insurance.

B) 20-year decreasing term insurance.

C) A cash-value insurance.

D) Term to age 65.