You meet with Anita (60) who recently opted for early retirement. She received a lump sum amount when she retired and she asks you to assist her to establish a pension bridge since she will not receive her full pension until age 65, five years from now. Which of the following would be the BEST option for Anita? 

a) a life annuity with rights of survivorship. 

b) a five-year immediate term-certain annuity.

c) an accumulation annuity for five years. 

d) A deferred life annuity for five years.

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