Therefore, in the absence of statutory provisions allowing the owner of a plan or policy to pass the benefit or proceeds of that plan or policy to a beneficiary, a designation would be valid only if it complies with the requirements of the Wills and Succession Act. [...] David Norwood and John Weir note that:35 The designation of a beneficiary under a life insurance policy is an arrangement made under contract during the lifetime of the person making the designation which does not actually pass the benefit of the life insurance proceeds to the beneficiary until the life insured's death. [...] RECOMMENDATION 2 The Insurance Act and the Wills and Succession Act should provide that, subject to contrary intention of the plan or policy owner, the legal end of a marriage or adult interdependent relationship has the effect of revoking any beneficiary designations in favour of the former spouse or adult interdependent partner by deeming the former spouse or partner to have predeceased the owne