The correct answer is: D. Minor nominee.
A minor nominee is a person who is under the age of 18 when they are nominated to receive the benefits of a life insurance policy. In most cases, a minor nominee cannot be a claimant under a policy because they are not legally able to enter into a contract. However, there are some exceptions to this rule. For example, if the minor nominee is the only beneficiary of the policy, they may be able to claim the benefits even if they are under the age of 18.
An appointee is a person who is appointed by the policyholder to receive the benefits of a life insurance policy if the policyholder dies. An assignee is a person who is assigned the rights to a life insurance policy by the policyholder. A legal heir is a person who is entitled to inherit the assets of a deceased person under the law of intestacy.
In conclusion, a minor nominee cannot be a claimant under a life insurance policy because they are not legally able to enter into a contract. However, there are some exceptions to this rule.