If they don't have any such person, you can make the payment on their behalf using your own credit card or debit card and collect the money from them. (insubuy.com)
If you do not select this option, we can not make payment on your behalf. (azk12.org)
This is known as a «living benefit» and your policy will make payments on your behalf if you become disabled, such as if you are involved in an accident. (policyzip.com)