Okla. Stat. tit. 36, § 36-2717.1: Beneficiaries

A. The owner of a benefit contract shall have the right at all

times to change the beneficiary or beneficiaries in accordance with

the laws or rules of the society unless the owner waives this right

by specifically requesting in writing that the beneficiary

designation be irrevocable. A society may, through its laws or

rules, limit the scope of beneficiary designations and shall provide

that no revocable 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 provisions of the

benefit 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 appear to be due to any person

equitably entitled thereto by reason of having incurred expense

occasioned by the burial of the member; provided, the payment shall

not exceed the sum of Fifteen Thousand Dollars ($15,000.00).

C. If, at the death of any member, there is no lawful

beneficiary to whom the insurance benefits are payable, the amount

of such benefits, except to the extent that funeral benefits may be

paid as hereinbefore provided, shall be payable to the personal

representative of the deceased insured; provided, if the owner of

the certificate is other than the insured, such proceeds shall be

payable to such owner.