Q: If both John and Susan are killed in a car wreck. Who receives the death benefit? (Reference: The following details are for questions 16 through 18 [3 questions]). John has a Universal Life policy for $500,000 and based on the contract, here are the details. The primary beneficiary is his wife, Susan, and the kids are listed as the contingent beneficiaries The owner is Susan John, the husband is the insured The payor is John Beneficiary Owner Legal Guardian for Children Contingent Beneficiaries