Barney has a segregated fund that names his sister Margaret as the beneficiary. Barney has appointed his brother Victor as his power of attorney (POA). Victor meets with Barney's insurance agent to make some changes to Barney's segregated fund contract. Which of the following are changes that Victor would be allowed to make? i. making Barney's estate the beneficiary ii. withdrawing a portion of the segregated fund iii. naming himself as the contingent beneficiary iv. surrendering the segregated fund contract i and ii i and iii ii and iv iii and iv