In a province where the spouse has the right to claim, such as B.C., and the person making the gift does not want the spouse to benefit, Cochrane suggests he or she «should include a specific clause in their will stating that the inheritance and any growth in the inheritance is not to be shared with the deceased beneficiary's spouse.» (moneysense.ca)
Using the example above, the policy proceeds would be split equally between the three remaining beneficiaries rather than 50 % going to the surviving beneficiary and 25 % each going to the two heirs of the deceased beneficiary. (insuranceandestates.com)
Per capita: This method, which means per head, allocates your proceeds equally to each surviving beneficiary or heir of a deceased beneficiary. (insuranceandestates.com)