Leanne has a universal life (UL) insurance policy based on her own life. The policy has a $200,000 death benefit with a rider that doubles her death benefit for accidental death. Leannes policy also includes a dread disease benefit which is 25% of the death benefit, up to a maximum of $100,000 and covers conditions such as heart attack and stroke. While driving home from work, Leanne suffers a massive heart attack behind the wheel of her car and collides with oncoming traffic. She is rushed to hospital but dies the following day. The autopsy reveals that Leanne survived the heart attack, but died as a result of the car crash. How much would Leannes beneficiary receive from her insurance policy?

a) $200,000 b) $250,000 c) $400,000 d) $450,000