The Wongs prefer whole life insurance because it will provide for their beneficiaries, regardless of how long they live, but they cannot afford the premiums for the full $1.1 million coverage they feel they need. What would be the best option for them?

a. Purchase term insurance and add a guaranteed insurability rider. b. Purchase an affordable amount of whole life insurance and add a term rider. c. Purchase creditor insurance and group life insurance only. d. Purchase universal life insurance only.