Disposiciones de Pólizas de VidaPregunta 552 de 716
A contingent (secondary) beneficiary receives the death benefit when:
a.The policy has lapsed for nonpayment
b.The insured is still alive and paying premiums
c.The primary beneficiary has died before the insured or cannot be located
d.A scheduled premium payment is merely a few days late and still well within the policy's stated grace period
Explicación
A contingent beneficiary is next in line and is paid only if no primary beneficiary is available at the insured's death. A living insured, a lapsed policy, or a late premium does not trigger payment.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)