Please give the correct anwer with detail explaination

Krystal is the beneficiary of a segregated fund maturing a few weeks from now. Her mother, Clara, made the investment a few years ago. Since then, she has become incapacitated. Clara named her sister, Isabelle, as the power of attorney for all of her property before she became incapacitated. Clara's husband, David, is responsible for her health care. The fund has a 100% maturity and death benefit guarantee. Clara had made a partial withdrawal before she was incapacitated. The fund has declined in value and the market value of the fund is currently less than the guaranteed amount. Who will claim the proceeds and the guarantee that will be applied to the fund when the fund matures a few weeks from now? a) Krystal, as the beneficiary b) Clara, as the contract owner c) David, as Clara's spouse responsible for her care d) Isabelle, as the power of attorney for the property