You are preparing for a second meeting with new clients to present your insurance proposal. Part of your presentation includes the illustrations generated by the insurance company's in-house software. Which of the following statements is correct concerning the use of illustrations?

a)         Term policy illustrations show the future policy dividends and the mortality deductions.

b)         Term policy illustrations show the premiums payable and the death benefit in each policy year.

c)         Universal Life policy illustrations show the guaranteed policy dividends and the mortality deductions.

d)         Universal Life policy illustrations show the investment returns that the client can rely on for performance.