Problem: Antonia was a life tenant who occupied a house at 33 Main Street. Emil had a remainder interest in the property and planned to occupy it after Antonia's death. Antonia obtained property insurance covering the house, through Richley Insurance Co. The house was destroyed by fire during Antonia's life estate. Richley must pay the insurance policy proceeds to Select one: O A. Emil, because he will ultimately own the property. O B. Antonia, because life tenants can recover the entire value of the property that they insure. O C. Emil, under the doctrine of equitable conversion. O D. Antonia, since she occupied the house at the time of the fire.