Potential clients Belinda and Gordon meet with you to discuss insurance needs and they take away information which they later review. You follow up and arrange a second meeting. They present to you what they feel will meet their needs. They want a $500,000 Term 20 policy for Gordon, and a $750,000 Term 10 with a guaranteed insurability benefit (GIB) rider for Belinda. They wish to save the policy fee by combining the coverages. Product combination rules limit choices available to them. Which of the options below would be permissible and would best meet their needs?

a) $500,000 Term 20 for Gordon with a $750,000 Term 10 rider with GIB for Belinda.

b) $750,000 Term 10 with GIB for Belinda with a $500,000 Term 20 rider for Gordon.

c) $750,000 Term 20 for Gordon with a $750,000 Term 10 rider with GIB for Belinda.

d) $500,000 Term 10 with GIB for Belinda with a $500,000 Term 20 rider for Gordon