Your client is in need of life insurance, as they recently married and now have a newborn child with their spouse. They have standard coverage through their employer's Section 125 Cafeteria plan and have maximized their benefits. They have no plans of leaving the employer in the near future. However, they also are considering purchasing a personal policy. In particular, they want a policy that will build cash over time and allow for them to direct the investment choices. They are an aggressive investor that can tolerate losses. The cost of life insurance is also a concern. What do you advise them? A) Consider purchasing indexed universal life policy. B) Consider purchasing a no-load variable life (VL) policy. C) Consider purchasing a universal life insurance policy. D) Consider purchasing a no-load variable universal life (VUL) policy