Phillipe owned two life insurance policies. He purchased five years ago for a face amount of $300,000. This policy also has an accidental death benefit rider. The other policy was purchased one year ago with a face amount of $200,000. Tragically, last week he committed suicide after losing his wife to cancer. How much will Phillipe's beneficiaries receive in total from both policies? Select one: a. $300,000 b. $400,000 c. $200,000 d. $100,000

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