A widowed customer with no children has a portfolio invested in mutual funds valued at 250,000. The portfolio generates a monthly income of 1,600, an amount that exceeds her living expenses by 300. The investment portfolio is her sole source of income. Her agent recommends she sell 30,000 worth of her mutual funds and purchase a deferred variable annuity to take advantage of the tax deferral and death benefit features. This recommendation is
a. suitable because it offers a growth opportunity with a death benefit for a portion of her holdings
b. suitable because it provides tax deferral features
c. suitable because it provides diversification
d. unsuitable