Hello! I would appreciate any feedback on this as I have a very unique case I am looking for some guidance on! I had a client pass away (Let’s say Jane Doe) in February (Feb 21 to be exact), she left her NonQ Annuities to her husband (primary bene) and named her 2 children as contingent beneficiaries. Before her husband made a claim, he died (March 31^st). At first, I was under the impression that Jane Doe’s assets would then go to her listed contingent beneficiaries as the primary beneficiary did not make a claim for the funds. After submitting documents and what not, it turns out that since the primary beneficiary was alive when Jane Doe died, it would then go to his estate., as opposed to the 2 children listed as the contingent beneficiaries. Now the kicker to all of this is that her husband’s estate simply says to payout the 2 children equally. I am currently working with the carrier to see if they will pay the 2 children directly as opposed to the estate first and then the 2 children, as then the children could do NonQ Bene stretch annuities which would be more beneficial for them.  In this case, would it be possible to pay the 2 children directly (the listed contingents) if you can prove via the estate documents (and the executor signs off on it), that the estate would pay them directly anyway? Any info would help if anyone has gone through this before! Thank you!