Joanne is the sole owner of a successful business that exports food products. she has been taking care of her nephew Leon since he lost both of his parents in a car accident. Joanne purchased life insurance in order to provide enough funding for everyone's education in case of her premature death. She would like for Leon to be the only person receiving the death benefit. Joanne's business, however, involves a lot of creditors. What should Joanne do to obtain creditor protection on her life insurance policy? a. Name Leon as the primary beneficiary and name herself as the trustee. b. Name Leon as the irrevocable beneficiary without a trustee. c. Name her estate as the beneficiary and put Leon as beneficiary in her Will. d. Name herself as the beneficiary and put Leon as beneficiary in her will.