If a RAC holder dies with no nominated beneficiaries and no surviving spouse, the death benefit is typically paid to which?

If a RAC holder dies with no nominated beneficiaries and no surviving spouse, the death benefit is typically paid to which?

• A. Surviving husband or civil partner
• B. Estate
• C. Nominated beneficiaries
• D. Dependants in equal shares

Answer: (B)

When a RAC holder dies without nominated beneficiaries and without a surviving spouse, there is no designated individual to receive the lump sum death benefit. The default arrangement in this situation is for the benefit to be paid to the deceased’s estate. From there, the funds are distributed according to the deceased’s will or, if there is no will, by intestacy rules. This fallback ensures the death benefit is not left unallocated and can be handled as part of the deceased’s overall assets. The other options rely on having a named beneficiary, a surviving spouse, or dependants, which aren’t present in this scenario.

When a RAC holder dies without nominated beneficiaries and without a surviving spouse, there is no designated individual to receive the lump sum death benefit. The default arrangement in this situation is for the benefit to be paid to the deceased’s estate. From there, the funds are distributed according to the deceased’s will or, if there is no will, by intestacy rules. This fallback ensures the death benefit is not left unallocated and can be handled as part of the deceased’s overall assets. The other options rely on having a named beneficiary, a surviving spouse, or dependants, which aren’t present in this scenario.