if "touchwood"...both (contributor & nominee) knock out together....
normal will also can not claim the monies?

It does not work this way. If your will do not specify it, should the nomination fails for whatever reason, the portion that is intended for the demised nominees will automatically go to the residuary estate of the demised nominees, and does not automatically goes to second nominee. Previously I too thought it was as wodenus think, until my Rockwill agent told me otherwise.

Xuzen

P/s Estate distribution follows a vertical line, not horizontal.

Hot? 2 years back maybe, but not now. Mapex are held almost once every 2 months.
By looking at how market react can know already, this will be another white elephant project

follow unker dreamer opinion.. don't "feed" them with more $$ to bailout 

Well from my personal view, its both good opportunity & also some "pressure" to buy over..
As long the investment give good return. We all happy..