Juanita is an insurance agent working with Saul Saul is interested in purchasingan annuity, Juanita explains to Saul that there are many factors that will impact the amount of his payment outside of the size of the deposit he makes. Which of the following factors would INCREASE the size of the payment that Saul would receive from the annuity? opting for annual payments instead of monthly waiting for a time when interest rates are lower adding a guarantee period for the payments purchasing a joint and last survivor annuity Oa) Ob) Oc) od)