Disposiciones de Pólizas de VidaPregunta 549 de 716
A death benefit is payable 'per stirpes.' If a primary beneficiary dies before the insured, that beneficiary's share will:
a.Revert to the insurer and be kept as an unclaimed benefit
b.Pass to that deceased beneficiary's own descendants (heirs)
c.Automatically be paid to the insured's probate estate
d.Be divided equally among the surviving primary beneficiaries
Explicación
Per stirpes ('by the branch') directs a deceased beneficiary's share down to that beneficiary's own descendants. Splitting it among survivors describes per capita, and the share does not revert to the insurer or default to the estate.
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- A policyowner assigns a life policy to a bank as security for a loan, intending the bank to have rights only up to the outstanding loan balance. This is a:
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- Under a per capita distribution among named beneficiaries, the proceeds are divided:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)