Olivia is a doctor. She has a contract ensuring her steady income for a long time at her hospital. Her husband also has a successful career. They make far too much money to contribute to a Roth IRA. They would rather save for an early retirement through building up a guaranteed cash value in a permanent insurance policy as well as provide some replacement income in case of an unexpected death. Which type of insurance policy would provide steady growth of a cash value while providing lump sum protection in case of an unexpected death?

	A. Whole Life
	B. Term Life
	C. Variable Annuity
	D. Universal Life