When a life insurance was issued, the policyowner designated a primary and a contingent beneficiary. several years later, both the insured and the primary died in the same car accident, and it was impossible to determine who died first. which of the following would receive the death benefit?
1. insured's estate
2. primary beneficiary's estate
3. insured's contingent beneficiary
4. insurance company

3. insured's contingent beneficiary

Explanation:

Because the contingent beneficiary is the one specified by an insurance contract holder or retirement account owner as the person or entity receiving proceeds if the primary beneficiary is deceased, unable to be located, or refuses the inheritance at the time the proceeds are to be paid.

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explanation: