Union Bank loaned $$200,000$ to Wagner. Union required Wagner to obtain a life insurance policy naming Union as beneficiary. While the loan was outstanding, Wagn stopped paying the premiums on the policy. Union paid the premiums, adding the amounts to Wagner's loan. Wagner died and the insurance company refused to pay th policy proceeds to Union. Union may:

a$.$ Not recover the policy proceeds because it is not in privity of contract with the insurance company.

b$.$ Not recover the policy proceeds because it is only an incidental beneficiary.

c$.$ Recover the policy proceeds because it is a donee beneficiary.

d$.$ Recover the policy proceeds because it is a creditor beneficiary.