What happens if a beneficiary dies before the insured in a per stirpes arrangement?

In a per stirpes arrangement, if a beneficiary dies before the insured, the benefits do not simply disappear or get lost. Instead, they are passed down to the deceased beneficiary's children. This arrangement ensures that the lineal descendants of the deceased beneficiary inherit their share, preserving the intent of the insured to support their family lineage.

For example, if the insured named a child as a beneficiary, but that child passes away before the insured, the share designated for that child would not be divided among the remaining beneficiaries. Instead, it goes to the deceased child's descendants. This approach promotes fairness in inheritance by ensuring that the deceased beneficiary's family continues to receive their entitled share of the benefits, maintaining the distribution plan according to the insured's original intentions.