Un asegurador de vida podrá retener por convenio los beneficios de una póliza expedida por él, con arreglo a los términos y restricciones en cuanto a revocación por el tenedor de la póliza y dirección por los beneficiarios, y con las exenciones de reclamaciones de acreedores de beneficiarios, que no sean el tenedor de la póliza, que se expresen en la póliza o que se convengan por escrito entre el asegurador y el tenedor de la misma. Al vencimiento de una póliza, en caso que el tenedor no hubiere hecho tal convenio, el asegurador podrá retener los beneficios de la póliza por un convenio con los beneficiarios. El asegurador podrá retener dichos beneficios como parte de su activo general.
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