The change of beneficiary provision states that the policyowner has the right to change the beneficiary UNLESS the beneficiary is

An uninsurable beneficiary refers to an individual who cannot be insured due to health or risk factors. This status does not affect the policyowner's ability to change beneficiaries, as the change is related to the designation rather than the insurability of the individual. Thus, being uninsurable does not restrict the policyowner’s rights under the change of beneficiary provision.

A power of attorney grants someone the authority to act on behalf of another person in legal or financial matters. However, this status does not relate to beneficiary designations in insurance policies. A power of attorney does not prevent the policyowner from changing the beneficiary as it pertains to their own rights over the policy.

A contingent beneficiary is a secondary designation that receives benefits only if the primary beneficiary is unavailable or deceased. Since the primary beneficiary can be altered without affecting the contingent designation, this status does not restrict the policyowner's ability to change beneficiaries, making it irrelevant in this context.