Which beneficiary type is unable to receive the death benefit directly from the insurer?

The option indicating the minor son of the insured as the beneficiary type unable to receive the death benefit directly from the insurer is correct due to legal considerations regarding minors and their ability to manage financial assets. Typically, minors are not legally capable of receiving and managing such benefits on their own. As a result, insurance companies often require benefits due to minors to be paid to a guardian or a trust until the child reaches adulthood or a designated age.

Other beneficiary types, such as spouses or adult children, have the legal capacity to receive death benefits directly as they are considered adults capable of managing their financial affairs. A contingent beneficiary, while it may not receive benefits unless the primary beneficiary is unable to, can also receive payments directly if the conditions are met. The distinction lies in the legal status of minors, making them a unique case in this scenario.