$24$ Ria and Saif each own $50\%$ of the $200$ shares of RS Inc., an apparel company. They wanted to make sure that upon their death, their spouses are not burdened with the task of selling the shares. Therefore, they implemented a buy$-$sell agreement. The most secure way of funding this buy$-$sell agreement is through:

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a$.$ business overhead expense insurance.

b$.$ life insurance.

c$.$ Assuris guarantee.

d$.$ business protection insurance.

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