June named her oldest son, Fred, as sole beneficiary of her life insurance policy. Junes will bequeaths her life insurance death benefits to her younger son, Charlie. If Jill dies without making further changes to either her policy or her will, to whom will the policy death benefits be paid? (Search Chapter 1) a. If the policy designation pre-dates the will, death benefits will be paid according to the willto Charlie. b. Death benefits will be evenly split between Fred and Charlie. c. Death benefits will be paid to Fred. d. The will invalidates the policy beneficiary designation, and death benefits will be paid to Junes estate