The beneficiary of a life insurance policy paid for by the insured would ordinarily be:

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A donee beneficiary is a person or entity who receives the benefits of a life insurance policy as a gift from the policyholder. In other words, the insured has voluntarily chosen to designate the donee beneficiary as the recipient of the policy's death benefit. This is different from a creditor beneficiary, who is a party to whom the policyholder owes a debt and who receives the death benefit as repayment. An incidental beneficiary is someone who may benefit from a policy but who is not specifically named as a beneficiary, while a debtor beneficiary is a type of creditor beneficiary who is also the debtor of the policyholder.

The Beneficiary of a Life Insurance Policy Paid for by the Insured