Imad and his wife, Somayeh, meet with you to discuss their insurance needs. They want to structure a life insurance policy such that if Somayeh died, Imad would receive the death benefit. However, Imad’s primary concern is ensuring that the death benefit would be protected from any potential creditors. Assuming Somayeh is the life insured, which of the following options below will meet their objective for creditor protection?
a)		Imad should be the policyholder, and Imad’s estate should be beneficiary.
b)		Imad should be the policyholder, and Imad should be irrevocable beneficiary.
c)		Somayeh should be the policyholder, and Imad should be revocable beneficiary.
d)		Somayeh should be the policyholder, and Somayeh’s estate should be beneficiary.