Justin is the grantor of an ILIT. When he dies, his estate needs cash for funeral costs, final medical expenses, death taxes, etc. How can the proceeds of the life insurance policy in the ILIT be made available to the executor? 

a. The trust terms may authorize the purchase of assets from the estate, or authorize loans to the estate. b. The trust terms may only authorize the purchase of assets from the estate. c. The trust terms may only authorize loans to the estate. d. The trust terms may require that all proceeds be paid to the estate.