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First you look for directions in the will for what should happen in that case. If the will is silent then you must follow your state laws regarding intestate property.
There is no requirement for a reading of the will so whether all are there or not doesn't matter.
In that case the benefit would be paid into the beneficiary's estate, though that doesn't necessarily mean their heirs will receive it. However, if there is a contingent (secondary) beneficiary they would receive the benefit.
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