$10.$ The primary and secondary beneficiaries of Rachel and Chad's joint first$-$to$-$

die permanent life insurance policy are each other and their adult children, respectively.Within a year of Rachel and Chad's divorce,Rachel unexpectedly passes away. The policy beneficiaries remained as originally designated.

Whose claim will be paid by the insurer?

Chad and the couple's adult children jointly, as they were all designated as beneficiaries.

o The couple's adult children, as they submitted a claim before Chad.

Chad, as he was designated primary beneficiary.

Rachel's parents, as Rachel and Chad were divorced.