If a primary beneficiary dies, life insurance benefits are then paid to

In a life insurance policy, theprimary beneficiaryis the first in line to receive the death benefit. If the primary beneficiary predeceases the insured, the benefits are paid to thecontingent (or secondary) beneficiaries, as specified in the policy. If no contingent beneficiaries are named, the benefits typically go to the insured’s estate, but “contingent beneficiaries” is the correct choice here (Title 36 O.S. § 4001 et seq.).

Option A: Incorrect. Benefits are not paid to “no one”; they go to contingent beneficiaries or the estate.

Option B: Incorrect. “Tertiary beneficiaries” is not a standard term in life insurance.

Option C: Correct. Contingent beneficiaries receive benefits if the primary beneficiary dies.

Option D: Incorrect. “Sub-primary beneficiaries” is not a recognized term.