The Wongs Prefer Whole Life Insurance Because It Will Provide

The Wongs prefer whole life insurance because it will provide for their beneficiaries,regardless of how long they live,but they cannot afford the premiums for the full $1.1 million coverage they feel they need.What would be the best option for them?

A) Purchase an affordable amount of whole life insurance and add a term rider.
B) Purchase term insurance and add a guaranteed insurability rider.
C) Purchase creditor insurance and group life insurance only.
D) Purchase universal life insurance only.