Judith has invested in an RRSP for many years. When she retired at 65 , she converted her RRSP to a life annuity with a 20year guarantee period and designated her daughter Melanie as beneficiary. Judith died recently at age 86. Melanie now contacts a hife insurance agent in otder to claim the arraunts owed to her under Judith's annuity. What should the agent tell Melanie about her claim? O Melanie cannot make a claim. O Melanie can coliect a monthly annuity payment until nhe turns 65. O Melanie can coliect the residual value of the annuity in a lump-aum payment. O Meianie can collect a monthly annuity poyment for 20 years