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Irrevocable vs. Contingent Beneficiary

Beneficiary – a person who receives money from a life insurance policy.

Irrevocable Beneficiary – if the current beneficiary has been appointed as irrevocable, the employee may only make changes to their beneficiary appointment with the consent of the current beneficiary.

Contingent Beneficiary: A back-up beneficiary; person who receives the money from the life insurance policy if the first beneficiary dies before the insured.