An insured had a $10,000 term life policy but did not pay the premium due before death. How much would the beneficiary receive?

In the scenario where the insured had a $10,000 term life policy but did not pay the premium due before passing away, the beneficiary would receive nothing from the policy. Term life insurance is designed to provide coverage only as long as the premiums are paid. If the premium is not paid, the policy lapses, meaning it is no longer in force.

When the insured passes away with a lapsed policy, the beneficiary has no entitlement to the death benefit, which reinforces the principle of maintaining premium payments for coverage to remain effective. Therefore, the correct response is that the beneficiary would receive $0, indicating that the benefits are contingent upon the policy being active at the time of death.