Exam term Primary beneficiary The beneficiary first in line to be paid the death benefit if living at the insured's death. 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