scott is a drug rep and planning on retiring next month. he is using his accumulated $200,00 to purchase an annnuity, which of the following options willl give him the largest monthly annuity payment assuming his life expectancy is 20 years and his wifes expectancy is 22 years.

a 10 year certain

b single life annuity over scotts life

c 100% joint life annuity over scott and his wifes lives

d 75% joint life annuity over scott and his wifes lives