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Gift to a child who dies before the testator leaving issue (Wills Act 1837 s.33)

Margaret Hughes made a valid will in 2019 leaving "£40,000 to my son Owen" and the residue of her estate to her friend Bernadette Kaur. The will contains no other relevant provisions. Owen died in March 2025, leaving a widow, Chloe, and two children, Ella (aged 15) and Sam (aged 21). By his own will Owen left everything to Chloe. Margaret died in September 2026, survived by Chloe, Ella, Sam and Bernadette.

Which of the following best describes who is entitled to the £40,000 legacy?

Choose one answer to see the reasoning.

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