Korneli is an insurance agent and he meets with a prospective client, Kamal. Kamal wants to purchase a life insurance policy and designate a beneficiary on the policy. Which of the following statements about the beneficiary designation on Kamal's policy is CORRECT? Kamal should name a revocable beneficiary if there is a need to protect the insurance proceeds from potential creditors. Kamal should name a contingent beneficiary if the life insurance policy is required under a court order for spousal or child support. Kamal should name an irrevocable beneficiary if the life insurance policy is being used to implement a tax strategy in connection with charitable giving. Kamal should name his estate as beneficiary if he wishes to ensure that the death benefit will not be subject to probate