Why do insurers use a different mortality table for annuity benefit calculations than they use for life insurance premiumn calculations?

a. the average life expectancy of an annuity applicant is greater than that of a life insurance applicant

b.	People with a greater-than-average likelihood of premature death are typically the ones who want to purchase annuities.

c. The health status of annuity applicants is generally worse than that of life insurance applicants

d. Annuities require more stringent underwriting than life insurance