In life insurance, this clause is designed to alleviate the hardship that can result if the insured and primary beneficiary die at the same time or within a short period of time of each other. Usually the clause provides that if the primary beneficiary dies either before proof of the insured’s death is submitted to the company, or within a stated period (usually 14 or 30 days after the insured’s death), the proceeds will be paid to the contingent beneficiary.

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