What if the primary beneficiary has predeceased the insured?
In most instances, if the designated beneficiary does not survive the insured, then the proceeds become payable to the contingent beneficiary. If there is no surviving contingent beneficiary, payment would then be determined by the terms of the policy. Please read the applicable provisions of the policy. If the designated beneficiary survives the insured, but dies before the claim is made, the proceeds may be payable to the designated beneficiary’s estate. For further information contact the Customer Service area applicable to your situation.
