West Virginia Code § 33-23-20

Beneficiaries
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(a) The member shall have the right at all times to change the beneficiary or beneficiaries in
accordance with the Constitution, laws or rules of the society. Every society by its
Constitution, laws or rules may limit the scope of beneficiaries and shall provide that no
beneficiary shall have or obtain any vested interest in the proceeds of any certificate until
the certificate has become due and payable in conformity with the provisiones of the
insurance contract.
(b) A society may make provision for the payment of funeral benefits to the extent of such
portion of any payment under a certificate as might reasonably auppear to be due to any
person equitably entitled thereto by reason of having incurred expense occasioned by the
burial of the member, provided the portion so paid shall not texceed the sum of $500.
(c) If, at the death of any member, there is no lawful beneficiary to whom the insurance
benefits shall be payable, the amount of such benefits, except to the extent that funeral
benefits may be paid as hereinbefore provided, shalll be payable to the personal
representative of the deceased member. s

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