Your beneficiary is the person or persons you designate as the recipient of a life insurance claim proceeds. In the case of final expense insurance, the person you designate as the beneficiary can decide not to use the funds to pay for the funeral, so be sure to select a person you trust to carry out your wishes. You should also ensure that whoever you choose is fully aware of your wishes. Our Wise Planning System is an excellent way to share your wishes with your beneficiaries and family members.