Gamy has been self employed for twenty-two years. He does not have a pension plan and does not have any RRSP's. He plans to retire within eight to ten years. He has saved small amounts all his life and has a few term deposits. He would like to make more money and receive interest on his investments. Which one of the following would be best suited for him? Select one: a. A ten-year prescribed payout annuity. b. Variable income annuity with deferred payment in ten years. c. A ten-year immediate term accumulation annuity. d. An accumulation annuity with deferred payment in ten years