In Rogers v$.$ Household Life Insurance Company, $2011$ Idaho LEXIS $53($Idaho Sup. Ct$.2011)$ the case in the text, why did the court decide that the insurance policy was void instead of voidable?

Multiple Choice

The appointment of a guardian with full powers represents that the ward lacks the capacity to contract as a matter of law.

The guardian cannot sign up the ward for an insurance policy and make himself the sole beneficiary payable on death.

The guardian did not have the power to contract on his father's behalf.

Guardians can never sign up the ward for an insurance policy.