You receive a voice mail from Joe who says he is the brother and estate executor of your life insured client Harman. Joe informs you that Harman died suddenly. You have not been contacted by Harman’s widow or the beneficiary, Nicolina. Which of the following is the correct course of action you should take in the claims process? 

a) You must wait until you are contacted by either Nicolina or the insurance company before contacting the beneficiary. 

b) You must request a copy of the probated will from Joe and then provide him with the claim forms and assist him in the claims process. 

c) You can contact Joe and provide him with the claim forms and assist him in the completion and processing. 

d) You can contact Nicolina and provide her with the claim forms and assist her in the completion and processing