George, age 75, has a $1,000,000 life insurance policy with his son, Dani, age 45, named as the beneficiary. Dani spends money recklessly and has a gambling problem. Select the option that George should choose to deal appropriately with this situation.

A. George should name a trustworthy individual as the beneficiary and direct that person to look after Dani's financial needs once George is deceased.
B. George should pre-select a life annuity as a settlement option for the death benefit under his life insurance policy.
C. George should assign the life insurance policy to Dani and make him responsible for the premium payments.
D. George should include a clause in his will instructing Dani to not take the life insurance policy proceeds in a lump-sum.