Vienna is 16 years old and decides that she wants to purchase life insurance on her own life. When she contacts an insurance agent to proceed with the purchase of the policy, which of the following responses from the agent is CORRECT?

a) Vienna will be able to obtain the policy because she has reached the age of majority and is considered a legal person.

b) Vienna will not be able to obtain the policy because she has not reached the age of consent.

c) Vienna will be able to obtain the policy because minors who are 16 years old can enter into insurance contracts.

d) Vienna will not be able to obtain the policy without the written consent of her parents or legal guardian(s).