Hank's client needs life insurance. He is an aggressive investor, wants to be able to vary his premium payments, is seeking a higher level of interest crediting than ordinarily found in declared$-$rate universal life insurance, and is willing to bear market risk. Which product is likely to be suitable for him?

a$.$ a term to age $65$ life insurance policy

b$.$ a decreasing term life insurance policy

c$.$ a variable universal life insurance policy

d$.$ a whole life insurance policy