Ok i am not finding my answer elsewhere so hopefully someone here can direct me, or answer it…

Details: Dad jt owns annuity contract with Daughter, dad dies. Obivously daughter can’t continue being a non-spouse so they are requiring DB to be paid out. The desire is for the money to go to the wife of deceased. However, bad directing by planner(not me) the daughter was only bene. So, the daughter can disclaim the DB but it would go to the estate of the father since no other bene was not listed. Being there is a living spouse is this as big of a problem as it is when there is not one living? Any suggestions?

Thanks