Under which beneficiary designation would the consent of the beneficiary be required to make changes?

• A. Irrevocable beneficiary
• B. Revocable beneficiary
• C. Contingent beneficiary
• D. Primary beneficiary

Answer: (A)

An irrevocable beneficiary has a fixed, vested right to the policy proceeds, so the policyowner cannot change the beneficiary designation without that beneficiary’s written consent. This protection keeps the beneficiary’s rights intact and prevents unilateral changes that would affect who receives the payout. If the designation is revocable, the policyowner can alter the beneficiary at any time without consent, which is why consent is not required in that case. Contingent or primary designations describe when payouts occur, but the requirement for beneficiary consent to make changes applies specifically to irrevocable designations.