Which of the following is true about life insurance beneficiary designations?
A. The primary and secondary beneficiary share proceeds equally.
B. If the primary beneficiary dies before the insured, the benefits are paid to the estate of the insured even if there is a contingent beneficiary.
C. When the insured dies the death benefit is paid to the secondary beneficiary by even if there is a primary beneficiary.
D. If there is no surviving beneficiary, the death benefit is paid to the insured's estate