Gift to be paid with interest – where will gives gift to person at age 21, to be paid with interest, gift is vested, and if the beneficiary dies before reaching age, gift is paid to the estate.  No survival is required.

2.    Money bequeathed to one “at his age of 21″ – if beneficiary dies before 21, gift is lost.  Survival is required.

3.    Gift of money to one “payable at” age (or “to be paid at” an age) – gift is vested, and if beneficiary dies before reaching age of 21, gift goes to their estate.