State RegulationsFL specificDifficulty 3/5
Which statement about the effect of divorce on Florida life insurance beneficiary designations is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, and related Florida beneficiary-designation law, the divorce-revocation rule is a default that protects probable intent; it yields where the divorce judgment expressly awards the interest or the insured redesignates the former spouse after the divorce. The rule is not limited to group coverage, and purchasing the policy during the marriage does not preserve the ex-spouse's rights.
Why the other options are wrong
- B) A beneficiary designated after the divorce reflects the insured's actual intent and is not revoked by it.
- C) The revocation rule applies to life insurance beneficiary designations generally, not only group certificates.
- D) When the policy was purchased is irrelevant; the divorce controls what happens to the ex-spouse's designation.
Memory hook
Default rule bends to clear intent - decree or redesignation.