Horatio is the policyholder on the life of his spouse, Anna. He purchased this coverage four years ago. Things are not going well between them. Horatio stopped taking his anti-psychotic medication and he becomes violent and delusional. In his delusional state, Horatio kills Anna. Would Horatio benefit from the insurance proceeds?

a)yes, there is no contractual exclusion covering this event

b)no, the insurance proceeds would be a return of premium only

c)yes, the two year exclusion clause has elapsed

d)no, there is a legal exclusion within the Civil Code of Quebec