Sixty-nine-year-old Edgar wants to use the values in his variable annuity to provide a series of quarterly payments for a certain period of time, but he does not want to commit the contract's principal to liquidation. He also wants the income payments to be tied to the growth of his contract values. As his agent, which of the following should you recommend?

a. variable annuitization

• b. term-certain annuitization
• c. systematic withdrawals of a number of a specified dollar amount
• d. systematic withdrawals of a number of accumulation units