Your friends, Sal (age 27) and Ellen (age 25), just had their first child. They realize that the surviving family would have financial difficulty, if either of them was to die prematurely. Which of the following forms of life insurance would best achieve their current objective of providing the highest death benefit possible given the lowest premium payment?

a. Group of answer choices

b. Universal life

c. Modified whole life

d. Term life

e. Variable life