life insurance

gross estate? Which of the following is not a reason that the death benefit of a life insurance policy would be included in a decedent's Select one: a. The beneficiary of the policy is the estate of the decedent. b. The decedent transferred the ownership of the policy to his daughter six years before his death, but retained the right to change the beneficiary of the policy. O c. The decedent transferred the ownership of the policy to his son six months before his death. O d. The decedent transferred the ownership of the policy to his partner four years ago