What happens under the life income with period certain option if the primary beneficiary dies early?

In the life income with period certain option, if the primary beneficiary passes away before the guaranteed period is over, the payments do not cease immediately. Instead, the insurer continues to make payments to a secondary beneficiary for the remainder of that guaranteed period. This ensures that the benefits intended to provide a steady income are not lost due to the early death of the primary beneficiary.

This structure gives the policyholder a level of security because it guarantees that the payments will be distributed over a predetermined time frame, regardless of the primary beneficiary's lifespan. It reflects the design of life insurance products aiming to provide financial stability and support to families or dependents.