CY died with a $200,000 life insurance policy. His wife, Regina, was the primary beneficiary and their children, Chung-yan and Chai-yan, were the contingent beneficiaries. All three survived. How would the policy proceeds be distributed?

a. $200,000 to Regina

b. $100,000 each to Chung-yan and Chai-yan

c. $100,000 to Regina and $50,000 each to Chung-yan and Chai-yan

d. $66,666 each to Regina, Chung-yan, and Chai-yan

e. $150,000 to Regina and $25,000 each to Chung-yan and Chai-yan