Vlad meets with Diogo, an insurance agent, to discuss purchasing an annuity. Based on the amount he would like to deposit, he receives a quote that will pay $500 per month until death, with a 5-year guarantee period. However, Vlad wants higher payments. Which of the following would lead to higher payments? 1. waiting for a year to purchase the annuity ii. decreasing the amount of his initial deposit iii. changing his payments to annual iv. increasing the duration of the guarantee period i and ii i and iii ii and iv iii and iv Ob) Oc) d)