<prompt> Human: Ive been reviewing my beneficiaries and currently Im allowed 1 primary and 3 secondaries on all my accounts. Currently listed are my partner primary and my mother, father, and sibling as secondaries. It has occurred to me in a morbid thought that since we all travel together for family vacations, and frequently for road trips, trips around town, etc, if we were to get killed, we might all kick the bucket at the same time. I have two lifelong best friends of 30 years who I would like to be beneficiaries if such a sad family scenario happened. Currently if my family all died together, the state gets the money.Im wondering if there is a way to correctly name everyone or some way to surpass the state getting the money? I have thought about naming partner as the primary and then designating my mother and sibling, and then friend 1, and spelling out in a will that if my mother died, sibling would not inherit the money and father would, and then split the money between friends if they ended up inheriting. Is there a way to do this?  <response>: The scenario you are describing is extremely remote, and something you could account for in your will in the event that there are no surviving beneficiaries; you dont have to do it by beneficiary designations. The latter is just a shortcut to avoiding probate. If you have no living beneficiaries, the money goes to your estate. 