Exam term Contingent (secondary) beneficiary A beneficiary paid only if no primary beneficiary survives the insured. Lessons that use this term Common policy provisions: beneficiary designations, grace period, and nonforfeiture options CaliforniaBeneficiary designation rules FloridaPrimary and contingent beneficiaries FloridaBeneficiary designation rules New YorkBeneficiary designation rules TexasPrimary and contingent beneficiaries Texas