$K$ is the insured and $P$ is the sole beneficiary on an Accidental Death and

Dismemberment $($AD&D$)$ insurance policy. Both are involved in a fatal

accident where $K$ dies before P$.$ Under the Common Disaster provision,

which of these statements is true?

Proceeds will be paid to P$\text{'}$s estate

Proceeds will be divided equally between K$\text{'}$s and P$\text{'}$s estate

Proceeds will be paid to K$\text{'}$s estate

The courts will decide who will receive death benefits