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WebFeb 22, 2024 · Generally there are three parties to a life insurance policy: The policyholder: The person who owns the policy and pays the life insurance premiums. The insured: … WebJoint and Survivor Life Annuity Option. Specific Income Option. Fixed Period and Fixed Amount Options. Choosing Life Insurance Settlement Options. Advance Settlement Planning. In many circumstances, beneficiaries will select the lump sum payment. This happens when the overall amount of the funds are settled at one time in one payment. WebJan 23, 2024 · Life insurance beneficiaries can choose how to receive the policy’s death benefit. Learn about the payout options, claims process, and beneficiary designations. how do you share photos on icloud