Tom Jones is of modest means and is about to be married. He wants a life insurance contract with the lowest initial premium, a level death benefit, and that would provide forhis new spouse in the event of his premature death. As hispersonal financial planner, which life insurance product would you recommend?

A. 10-year level term.

B. Annually renewable term.

C. Decreasing term.

D. Second-to-die term.