In Pennsylvania, a minor may legally be named as a beneficiary of a life insurance policy; however, a minorcannot directly receive or control death benefit proceedsdue to legal incapacity. Pennsylvania Life Insurance regulations require that acourt-appointed guardian or trusteereceive and manage the proceeds on behalf of the minor.

Pennsylvania insurance study guides emphasize that insurers are prohibited from paying death benefits directly to minors. Instead, proceeds must be paid to a legally authorized representative, such as a guardian of the estate, or to a trust established for the minor’s benefit. This safeguard ensures that funds are properly managed until the minor reaches the age of majority.

The other answer choices are incorrect because a minor does not need to be related to the insured, may be named as a primary beneficiary, and is not required to meet any minimum age within minority status. Legal capacity—not age or relationship—is the determining factor.

Therefore, according to Pennsylvania Life Insurance laws and approved licensing materials, a minormust have an appointed guardianto receive death benefit proceeds.