Jerry hаs nаmed Geоrge аs primary beneficiary оf Jerry’s life insurance pоlicy and Kramer as the contingent beneficiary. In which of the following ways do the rights of George differ from the rights of Kramer? If George is living when Jerry dies, Kramer has no legal right to any of the life insurance lump-sum death proceeds. The only circumstances under which Kramer would have any legal right to the lump-sum death proceeds would be if George predeceases Jerry.