Question

What are the benefits of naming a secondary beneficiary in a will? Check all that apply.

It could prevent a will from going into probate.
It avoids confusion if the primary beneficiary dies first.
It makes it less likely that there will be claims that the will is invalid.
It allows for another option if the primary beneficiary cannot inherit.
It identifies someone who can assess the value of assets in a will.
It ensures that someone can act on a person’s behalf if he or she becomes hurt.

Answer 1

Correct answers:
- It avoids confusion if the primary beneficiary dies first.
- It allows for another option if the primary beneficiary cannot inherit.

Brief explanations:
- Naming a secondary (contingent) beneficiary clarifies who should inherit if the primary beneficiary predeceases the testator, disclaims, or is otherwise unable to take, reducing uncertainty about distribution.
- It does not prevent probate — a will generally still goes through probate unless assets pass outside the will (e.g., by beneficiary designation, joint ownership, or a trust).
- It does not make the will itself less likely to be challenged as invalid; challenges focus on capacity, undue influence, proper execution, etc.
- It does not identify someone responsible for valuing assets — valuation is done by the executor/personal representative and appraisers.
- It does not give authority to act on the testator’s behalf if they become incapacitated — that requires a power of attorney or similar appointment.