Editor: Proof the policy by making her estate the policy owner. Gizella.

Bela was required to pay Ilona monthly support as per their divorce agreement, but he changed the beneficiary on his life insurance policy to his new wife, Gizella, three years ago. When Bela passed away, he hadn't made any support payments to Ilona. Ilona sought advice from her insurance agent, Janos, who happened to be the same agent that Bela used. Ilona asks Janos what her options are regarding the insurance policy.
Which of the following would be Janos' most appropriate response?

A. Ilona has no claim on the insurance.
B. Bela's obligation to provide support to Ilona may override the change in beneficiary because Gizella is the named beneficiary.
C. Ilona should insist that Bela transfer the ownership of the policy to her.
D. Ilona can do nothing as the insurance policy was legally transferred to Gizella.