Six years ago, Diu purchased an immediate life annuity with a 10-year guarantee period. The annuity paid her a monthly benefit of S1,800. She named her son Shan as the beneficiary of the policy and her niece Haru as a contingent beneficiary. Shan died four months ago in a motorcycle accident and between grieving and planning the funeral Diu forgot to update her beneficiary designation. Last week, Diu died of a heart attack. Who would receive the annuity benefits? 

1 Shan's widow. 

2. Shan's estate. 

3. Haru. 

4. Diu's estate