In West Virginia, whom can benefits from a group life insurance policy NOT be assigned to?

In West Virginia, the assignment of benefits from a group life insurance policy is typically governed by the terms of the policy and applicable laws. Benefits resulting from a group life insurance policy cannot be assigned to the insured's employer because this would conflict with the primary purpose of group insurance, which is to provide coverage for a defined group of individuals, such as employees. The insured is generally the employee, while the employer facilitates the insurance policy for its workforce.

Benefits can usually be assigned to family members, such as an insured's spouse or adult children, as they fall within the typical scope of beneficiaries. Additionally, creditors may potentially be assigned benefits, especially in cases where the insurance money may be required to settle debts of the insured. However, an employer is not included in these assignments as they do not receive benefits from the insured individual in the way a family member or creditor might. This separation ensures the focus remains on protecting the financial interests of the insured and their immediate dependents or obligations.