Setareh and Neda have been married for several years and have just adopted their first child, Ava. Ava is nine months old. Setareh has adult children from a previous marriage and they have a contentious relationship with Neda.

Neda and Setareh are discussing insurance planning with their advisor to ensure the financial security of their daughter. As a couple, they agreed that Setareh would stay home to raise their daughter, and Neda would return to work full time. With Neda being the sole income earner in their household, they have decided to take out a participating whole life insurance policy on her life, to replace her income in case she passes away prematurely. Their advisor explains that the policy should be owned by Setareh, with Ava as the beneficiary while appointing a trustee in case Ava's a minor when a claim is made. Which of the following would be an appropriate designation to make to the contract, in case Setareh passes away before Neda?

a$.$ Designate Setareh estate as the contingent beneficiary

b$.$ Designate Neda's estate as contingent beneficiary

c$.$ Designate Ava as the contingent owner

d$.$Designate Neda as contingent policyholder