when assessing your clients 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 of CRA

C. Genova who stays at home mom who plans to return to the workforce when the childern start school

d. scott who is the cheif executive officer of the bank