When assessing your client's employment situation and how it impacts their insurance needs, which of the following clients would benefit the MOST from a life insurance policy that provides flexible premiums which can be lowered or increased? a)Cecilia who is the owner of her new start- up business distributing canteen products to hockey arenas.b)Federico who is a union employee for the Canada Revenue Agency and has attained seniority in the union.c)Genoveva who is a stay at home mom who plans to return to the workforce when the children start school this year.d) Scott who is the Chief Executive Officer (CEO) of one of Canada's top five banks