Which statement demonstrates naming a beneficiary by class?

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

Answer: (A)

Naming a beneficiary by class means designating a group of people who share a common relationship to the insured, rather than naming specific individuals. An example of this is stating that the benefit goes to the children born of my union with Ned Jackson. This defines a concrete group—the offspring from that particular relationship—so membership is determined by birth from that union, not by choosing individual names.

This demonstrates the concept clearly because it uses a relationship-based group to define who qualifies, rather than listing particular people. Other options name specific individuals or, in the case of a broad term like descendants, could be less precise about who exactly is included or how eligibility is determined, which is why they don’t illustrate the class-designation idea as directly.