Stanley would like to leave the full value of his life insurance policies to his grandchild, age 6. His estate, including the life insurance, will significantly exceed the 2024 appliccable exclusion amount. Which of the following is the best mechanism for accomplishing this? a. Designate his grandchild as primary beneficiary of his insurance policies b. Create a Revocable Trust and designate it as the primary beneficiary of his life insurance. His grandchild will be the beneficiary of the trust. c. Create an ILIT and designate it as the primary beneficiary of his life insurance. His grandchild will be the beneficiary of the trust. d. Designate his son, Jeff, as primary beneficiary and ask Jeff to give the life insurance proceeds to Stanley's grandchild when the grandchild attains age 21.