If Mary is not sure her primary beneficiary will survive her,she should

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By naming a contingent beneficiary, Mary ensures that if her primary beneficiary does not survive her, her assets will pass directly to her chosen alternate beneficiary without going through probate or being subject to the laws of intestacy. Naming joint beneficiaries could also be an option, but it may not always be feasible or desirable. Changing her beneficiary or naming her estate as a beneficiary could have unintended consequences and should be carefully considered.

If Mary Is Not Sure Her Primary Beneficiary Will Survive