ABC Trust is the owner and beneficiary of a deferred annuity. The trust was set up by Bob a few years before his death; the beneficiaries of the trust are his wife, Inga, and his brother, Pete. Which of the following annuity options is lost? (Search Chapter 6) a. tax-deferred accumulation b. annuitization c. Inga's ability to continue the contract as her own at Bob's death d. the ability to take withdrawals from the annuity prior to its start date.