Viara owns a whole life policy. Viara does not currently have financial difficulties but would like to ensure that her policy is creditor protected. Which of the following options below will meet her objective for creditor protection? 

a) Viara should name her daughter as the revocable beneficiary. 

b) Viara should name her sister as the revocable beneficiary. 

c) Viara should name her niece as the revocable family class beneficiary. 

d) Viara should name her estate as the family class beneficiary.