Which named beneficiary cannot receive the death benefit directly from the insurer if the insured dies?

A minor, such as William, Jr., cannot receive the death benefit directly from the insurer because they are not legally capable of entering into contracts or managing financial transactions. In most jurisdictions, insurance proceeds payable to a minor are typically held in a trust or administered by a guardian until the minor reaches the age of majority, which is often 18 or 21, depending on local laws. This requirement ensures that the funds are managed appropriately and that the minor’s best interests are taken into account.

In contrast, the other beneficiaries listed can legally receive the death benefit. Fred, as a business partner, can claim the benefit depending on the terms stated in the policy. Flossie, being the current wife, is recognized as a valid beneficiary and can receive the benefits without issue. Wilma, the former wife, may still have claim to the death benefit if she is named as a beneficiary in the policy, unless she has been legally removed or there is a divorce decree stating otherwise. Hence, the status of being a minor specifically prevents William, Jr. from receiving the death benefit directly.