West Virginia Code § 33-6-20

Assignment of policies
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Whenever the insured in a policy owned by him has reserved to himself the right to change
the beneficiary thereunder, the insured shall have the right to and may assign said policy to
the extent permitted by the terms thereof as collateral security for a loan or loans, or for any
other purpose without any beneficiary thereunder joining therein or assenting thereto, and
such assignment shall subordinate the rights and interests of any beneficiarey in the proceeds
of the policy to the rights and interests of the assignee as created and defined by such
assignment. r

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