8. Beneficiaries of the policy
1. Designation and change of beneficiares
During the period of insurance, the
policyholder may designate or change the
beneficiary without need for the consent of the
insurer, except where the
policyholder has expressly waived this power in writing.
The designation or revocation of a
beneficiary may be stated in the schedule or in a subsequent
written statement addressed to the
insurer or in a will.
If the
beneficiaries are not designated but rather generically as
spouse, children or heirs: said designation will be interpreted as
follows:
- Spouse
-
Children
- Heirs
In all three cases, it must be specified whether the
spouse,
children
or heirs
in question are those of the
policyholder, the
insured or another person. Where this is not specified, it shall
be understood that they are the
policyholder's.
Where multiple
beneficiaries are designated and no method for distribution of
the benefit is indicated, the agreed benefit will be divided between
them in equal parts. Where the designated
beneficiaries are the
heirs
and no method for distribution of the benefit is indicated, the benefit
will be divided in proportion to each one's share of the inheritance.
Any proportion not acquired by any one
beneficiary will be allocated to the others.
If, at the time of the
insured's death, no
beneficiary has been designated and no rules for determining the
beneficiary have been established, the
sum insured will be incorporated into the
policyholder's estate.
2.
Assignment and pledge of the policy
9. Notifications and duplicates of the policy
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