Article 2689

An insurance policy covering the death of an insured person may be made to the benefit of specified beneficiaries.

The following persons shall be deemed to be specified beneficiaries notwithstanding that they are not mentioned by name:

the subscriber’s spouse, even if the marriage took place after the policy was entered into;

the subscriber’s children, whether or not born at the time when the policy was entered into; and

the subscriber's heirs.

If the policy does not specify the beneficiary or the beneficiary specified in the policy does not agree, the subscriber may name a beneficiary or substitute a beneficiary for another by will, by an endorsement to the policy, or by endorsing a policy to order.