as a refund(Example: In the case of cancellation of motor insurance policies, customers who have paid the insurance premium in full by a lump sum payment can be entitled to a percentage of the paid premium as a refund. Пазенко Георгий)
unless another person is named in the contract as the beneficiary(Example: The contract of personal insurance shall be considered made for the benefit of the insured person, unless another person is named in the contract as the beneficiary. (From The Civil Code of the Russian Federation – edited and translated by Peter B. Maggs with A.N. Zhiltsov). Оригинальный текст на русском языке: Договор личного страхования считается заключённым в пользу застрахованного лица, если в договоре не названо в качестве выгодоприобретателя другое лицо. (Из Гражданского кодекса Российской Федерации) Пазенко Георгий)
designate as(Example: The contract of insurance shall be deemed concluded in favour of the insured person if no other person is designated in the contract of insurance as a beneficiary. (Перевод: Договор страхования считается заключённым в пользу застрахованного лица, если в договоре страхования не названо в качестве выгодоприобретателя другое лицо.) Пазенко Георгий)