Which individual’s contract is void rather than voidable?

A contract is deemed void when it is entirely unenforceable and cannot be ratified by either party. This characteristic applies to a legally insane individual who has been adjudged insane. When a court determines that a person is legally insane, it typically results in a status where the individual is unable to understand the nature or consequences of their actions, rendering any contracts they attempt to enter into as void from the outset. Because of this legal adjudication, such contracts are not capable of being ratified or enforced, distinguishing them from voidable contracts, which can be affirmed or rejected at the option of the party lacking capacity.

In contrast, the other individuals mentioned in the choices are considered to have the potential to void their contracts rather than rendering them void from the outset. A minor executing a contract for necessaries can enforce the contract despite their status as a minor, as these contracts are generally considered essential (like food or clothing). Similarly, a minor executing a contract for non-necessaries has the option to void the contract, but the contract is not void ab initio; it is voidable at the minor's discretion. Additionally, an individual who is insane in fact may still have moments of lucidity during which they can enter into binding contracts; thus