dies in Ontario, which province's laws will apply to the interpretation of his insurance contract?

NTZOMLItaE$42$dnR$5$WXRINGk$3$OHJUT$09?$

a$.$ O Ontario, as it is the province where Roger dies

b British Columbia, as the policy was contracted there

$$ Ontario, as it is the province where Roger is a resident

$$ British Columbia, as it is the province where the beneficiary is a resident