Under Annuity Contract A, Marty is the owner. Under Annuity Contract B, Tanya is the owner. Both contracts include an enhanced death benefit equal to $150,000; both contracts have a current value of $100,000. Marty dies and his contract pays $150,000. Tanya dies and her contract pays $100,000. What accounts for the difference in the death benefits paid? (Search Chapter 3)

a. Contract A is annuitant-driven.

b. Contract B is annuitant-driven.

c. Marty was older than 59 when he died.

d. Tanya's contract was still in its surrender period.