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Before divorce, Dana signed a will leaving her estate to her spouse, Alex, and named Alex as beneficiary of a state-law payable-on-death bank account, a life insurance policy, and an ERISA-governed employer retirement plan. Dana and Alex later divorced. The divorce decree did not mention these assets. Dana then changed the life insurance beneficiary form after the divorce to name Alex again, writing "Alex remains my beneficiary" on the insurer's form. Dana did not change the POD account, the will, or the ERISA plan beneficiary.
Dana died one year later. The state has a UPC-style revocation-on-divorce statute that revokes revocable dispositions to a former spouse in wills and state-law nonprobate transfers unless the governing instrument, court order, or post-divorce designation provides otherwise. The retirement plan administrator says ERISA requires payment to the named plan beneficiary.
Who should receive the probate estate, POD bank account, life insurance proceeds, and ERISA retirement plan? Explain.