Question 101 point) Ruby had assumed that she was the primary beneficiary of her common-law spouse Beverly's insurance policy. When Beverly passed, Ruby realized that the insurance policy that Beverly got 15 years ago through Michael, their financial advisor, did not have Ruby 33 a named beneficiary on the policy, but rather "Estate! What is the next logical step to take to determine the final outcome? a) Draft a new beneficiary form. b) Determine the rights of survivorship, Od Review the will Od contest the insurance policy