Under what situation might an annuity's contract pay out a death benefit that is equal to the contract's current value and not to the contract's guaranteed death benefit? (Search Chapter 4)

a. Owner and annuitant are the same person; owner/annuitant dies.

b. Owner and annuitant are not the same person; owner dies; contract is owner-driven.

c. Owner and annuitant are not the same person; owner dies; contract is annuitant-driven.

d. Owner and annuitant are the same person; beneficiary dies.