Which is an example of naming a beneficiary by class?

• A. To my wife
• B. To all my grandchildren
• C. To my two sons, John and James
• D. To the children born of my union with Ned Jackson

Answer: (D)

Naming a beneficiary by class means designating a group rather than a specific person, defined by a relationship or characteristic so the group can grow or change automatically as new eligible individuals come into existence. The phrase about the children born of the insured’s union with Ned Jackson defines a class precisely: every child born from that marriage belongs to the class. This kind of designation covers all qualifying future children without needing to name each one individually, which is the essence of a class designation. The group is determined by the relationship (being a child of the insured) and a specific circumstance (born from that particular union), so the designation automatically includes anyone who fits that criterion.