Ivan and his spouse both die in a common accident, within minutes of each other. Ivan's life insurance policy has a 30-day common disaster provision, and his spouse is the named beneficiary. Neither Ivan nor his spouse have named contingent beneficiaries on their life insurance policies. In this case, the proceeds of the policy on Ivan's life will be paid to which of the following? a. Ivan's estate. b. Ivan's spouse's estate. C. The state since no one is entitled to the money