33-24-42
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33-24-42.
Where
the individual insured or the annuitant and the beneficiary designated in a life
insurance policy or policy insuring against accidental death or in an annuity
contract have died and there is not sufficient evidence that they have died
otherwise than simultaneously, the proceeds of the policy or contract shall be
distributed as if the insured or annuitant had survived the beneficiary unless
otherwise specifically provided in the policy or contract. Payment made in
accordance with this Code section shall fully discharge the insurer from all
claims under the policy or contract unless, before payment is made, the insurer
has received at its home office written notice by or on behalf of some other
person that the person claims to be entitled to the payment or some interest in
the policy or contract.