$13)$ Candace purchased a $$1$ million deferred annuity policy. She is the owner and annuitant. She named her husband as primary beneficiary and her son as the contingent beneficiary. Assuming no changes are made to the beneficiary designations, if Candace dies while the annuity policy is still in force and not annuitized, her son will be receive the death benefit only if: a$.$ her surviving husband lives outside the United State. b$.$ her husband has passed away before Anne died. c$.$ her surviving husband is in a witness protection program. d$.$ she and her husband are divorced at the time of her death.