What happens when a pod beneficiary dies before the account owner dies?

The owner must name another beneficiary for the account or it will pass into the owner's estate at the time of their death.

The owner must name another beneficiary for the account or it will pass into the owner's estate at the time of their death.

The owner must name another beneficiary for the account or it will pass into the owner's estate at the time of their death.

The owner must name another beneficiary for the account or it will pass into the owner's estate at the time of their death.