La póliza deberá contener una cláusula, de beneficiario. La misma deberá describir los términos y condiciones para la designación o cambio de beneficiarios, o para seleccionar beneficiarios automáticos, como sea necesario, e indicar cuándo dicha designación es efectiva. La póliza deberá establecer esos cambios en beneficiario, a menos que, de otra manera, se especifique por el dueño, sujeto a cualquier pago hecho o acción tomada por la compañía con prioridad al recibo de esta notificación. Si se hace referencia a beneficiarios irrevocables en la póliza, la misma deberá explicar que dicho beneficiario no se puede cambiar sin el consentimiento del beneficiario irrevocable.
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