Disposiciones de Pólizas de VidaPregunta 419 de 716
A contingent (secondary) beneficiary receives the death benefit:
a.Always, sharing it equally with the primary beneficiary named first in line
b.Never while a surviving primary beneficiary is entitled to the proceeds
c.Only when the contingent beneficiary is named irrevocably
d.Ahead of the primary beneficiary
Explicación
A contingent beneficiary is next in line and receives the proceeds only if the primary beneficiary has predeceased the insured (or otherwise cannot take them). The contingent does not share with a living primary, does not take ahead of the primary, and does not depend on being irrevocable. Understanding the order, primary first, then contingent, then tertiary, is essential for knowing who is paid when.
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- The settlement option that pays equal installments for a chosen length of time until the proceeds and interest are used up is the:
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- To change an irrevocable beneficiary designation, the policyowner must:
- When proceeds are distributed 'per stirpes' and a named beneficiary dies before the insured, that beneficiary's share:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)