Timothy is a 40-year old accountant with an annual salary of HK$400,000. He plans to retire at age 60. However, he expects that he will certainly die before age 70 because all his family members had cancer and died before that age. At the time of his retirement, he wants to have sufficient funding to support his daily expenses before he reaches age 70. Which of the following products would you recommend him to purchase now? Select one: O a Deferred annuity certain O b. Immediate annuity certain . Deferred life annuity O d. HKMC annuity plan Oe. Immediate life annuity