Una disposición en el sentido de que cualquier suma pagadera por razón de muerte de la persona asegurada será pagadera al beneficiario designado por la persona asegurada, sujeta a las disposiciones de la póliza en caso de que no haya beneficiario designado en cuanto al total o a parte de dicha suma, que esté vivo al momento de la muerte de la persona asegurada, y sujeto a cualquier derecho que se haya reservado el asegurador en la póliza y establecido en el certificado para pagar a su elección una parte de dicha suma sin exceder de $500 a alguna persona que en opinión del asegurador tuviere derecho legal por razón de haber incurrido en gastos de entierro o cualquier otro gasto incidental a la última enfermedad o a la muerte del asegurado.
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