Code, Art. 1) .: Nature of Marriage
Code, Art. 1) .: Nature of Marriage
already cut.
Pietro survived.
a. Can Marian’s baby be the beneficiary of the insurance taken on the life of the mother?
b. Between Marian and the baby, who is presumed to have died ahead?
c. Will Prieto, as surviving biological father of the baby, be entitled to claim the proceeds of the life
insurance on the life of Marian? (2008 Bar)
A:
a) YES. An unborn child may be designated as the beneficiary in the insurance policy of the mother. An unborn
child shall be considered a person for purposes favorable to it provided it is born later in accordance with the
NCC. There is no doubt that the designation of the unborn child as a beneficiary is favorable to the child.
b) If the baby was not alive when completely delivered from the mother’s womb, it was not born as a person,
then the question of whom between two persons survived will not be an issue. The baby had an intra- uterine
life of more than 7 months, thus, it would be considered born if it was alive at the time of its complete delivery
from the mother’s womb. We can gather from the facts that the baby was completely delivered. But whether
or not it was alive has to be proven by evidence.
c) Since the baby did not acquire any right under the insurance contract, there is nothing for Prieto to inherit.
Prieto is not married to Marian neither was he named as the beneficiary of the insurance.