Which statement below is INCORRECT regarding the type of term insurance that fits best with the applicant’s needs? A. Applicants wishing to pay off a mortgage should they suffer a premature death might buy a decreasing term plan. B. Applicants concerned with the increasing cost of living should purchase increasing term. C. Applicants who may require a larger death benefit in the future should buy convertible term insurance. D. Employers looking to provide cost effective group life insurance for their employees may choose annual renewable term.