Dread and Corpse are married and have always lived in California. Dread died owning a life insurance policy on his life which paid $$1,000,000$ ?to Corpse at his death. Dread purchased the policy before he married Corpse. $40\%$ ?of the premiums were paid prior to marriage and $60\%$ ?during their marriage from community funds. Dread's gross estate includes:

$$400,000.$

$$600,000.$

$$700,000$

$$500,000$

None of the above.