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contingent beneficiary

   Also found in: Financial 0.03 sec.

contingent beneficiary n. a person or entity named to receive a gift under the terms of a will, trust or insurance policy, who will only receive that gift if a certain event occurs or a certain set of circumstances happen. Examples: surviving another beneficiary, still being married to the same spouse, having completed college, or being certified as having shaken his/her drug habit. (See: contingent, contingent interest)



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If the biggest concern is wasting part of the estate tax exemption, the spouse can be named as the beneficiary with the family trust as the contingent beneficiary.
the contingent beneficiary or beneficiaries) inherits the IRA, and if that next person is a younger beneficiary, then the IRA can be "stretched.
Generally, this means a charity can be named as a contingent beneficiary to receive money only if a prior beneficiary dies before the end of his or her life expectancy.
 
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