Which individual would not receive a death benefit immediately after the insured's death?

Which individual would not receive a death benefit immediately after the insured's death?

• A. Minor son of the insured
• B. Spouse of the insured
• C. Adult daughter of the insured
• D. Parent of the insured

Answer: (A)

The minor son of the insured would not receive a death benefit immediately after the insured's death because, typically, minors cannot legally own property or financial benefits outright. In most situations, a guardian or custodian is required to manage the funds for the benefit of the minor until he reaches a certain age, as established by law or by the terms of the life insurance policy. In contrast, the spouse and the adult daughter can both receive death benefits without such restrictions, as they are adults capable of managing their financial affairs. Similarly, a parent could also be eligible to receive the death benefit directly if they are named as the beneficiary. This makes the minor son the unique case among the provided options, as he would rely on an appointed guardian to handle the death benefit on his behalf until he is legally able to receive it directly.

The minor son of the insured would not receive a death benefit immediately after the insured's death because, typically, minors cannot legally own property or financial benefits outright. In most situations, a guardian or custodian is required to manage the funds for the benefit of the minor until he reaches a certain age, as established by law or by the terms of the life insurance policy.

In contrast, the spouse and the adult daughter can both receive death benefits without such restrictions, as they are adults capable of managing their financial affairs. Similarly, a parent could also be eligible to receive the death benefit directly if they are named as the beneficiary. This makes the minor son the unique case among the provided options, as he would rely on an appointed guardian to handle the death benefit on his behalf until he is legally able to receive it directly.