Under what condition could a daughter, named as a contingent beneficiary, collect the death benefit if her father dies?

The condition where a daughter, named as a contingent beneficiary, could collect the death benefit upon her father's death is if the primary beneficiary predeceases the insured.

In insurance policies, a primary beneficiary is first in line to receive the death benefit. The contingent beneficiary, on the other hand, is a secondary party who only receives the benefits if the primary beneficiary is unable to do so. If the primary beneficiary passes away before the insured (in this case, the father), then the contingent beneficiary (the daughter) becomes eligible to receive the death benefit. This ensures that the death benefit can still be distributed according to the insured's wishes, even if the primary choice is no longer available.

Other conditions, such as requiring the primary beneficiary’s consent or stipulations regarding the manner of death, would not automatically assign the death benefit to the contingent beneficiary. Additionally, while different arrangements can exist regarding the division of benefits between primary and contingent beneficiaries, a straightforward sharing of death benefits does not automatically mean the contingent beneficiary collects without the conditions being met. Thus, the correct scenario focuses on the primary beneficiary's status in relation to the insured's death.