Louise is the policyholder of a $$200,000$ life insurance policy on her husband, Denis. In the contract, she named Marcus, her $10-$year$-$old son, as beneficiary,

and Nicolas, her brother, as trustee. Denis has been diagnosed with an incurable disease with a life expectancy of between $8$ and $16$ months. Louise and

Denis decide to apply for a terminal illness benefit of $$60,000$ to pay the medical expenses. The company approves their request and writes a $$60,000$

cheque.

To whom will the insurance company pay the benefit?

Denis, because he is the insured.

Louise, because she is the policyholder.

Marcus, because he is the beneficiary.

Nicolas, because he is the trustee.