1. The insured may stipulate that the insurance amount be paid to specific persons in the contract or to such persons as they may designate later. 2. If the insurance is for the benefit of the insured's spouse, children, descendants, or heirs, the insurance amount shall be due to whoever holds this capacity at the time of the insured's death. If the heirs are the beneficiaries, the insurance amount shall be divided among them according to the statutory shares of inheritance.
Interpretation and application must be checked against the official text and current version.