Hardeep, age 65, has accumulated a financial portfolio which includes his registered retirement savings plan (RRSP) invested in guaranteed investment certificates (GICs), a non-registered segregated fund account, and a life insurance policy payable to his estate. Additionally, he and his wife Ayesha have funds in a joint savings account at their local bank. Hardeep has named Ayesha as his beneficiary on his segregated fund and his RRSP. If Hardeep where to die today, which of the following assets would be controlled by his will?
a)		savings account
b)		life insurance
c)		segregated fund
d)		guaranteed investment certificates