Which of the Following Statements About Beneficiary Designations Is True

Which of the following statements about beneficiary designations is true?

A) A primary beneficiary is entitled to the death proceeds of a life insurance policy only if the contingent beneficiary dies before the insured.
B) If a revocable beneficiary designation is used,the insured must obtain the beneficiary's permission to exercise most policy rights.
C) The effect of a class beneficiary is to divide death proceeds equally among the members of a particular group.
D) Naming the insured's estate as primary beneficiary is the best way to avoid probate expenses,inheritance taxes,and claims of creditors.