Two ways to designate beneficiaries:
The first method: pay in proportion (any proportion)
Take the ratio of each 50% as an example:
How to distribute: the insurance premium is paid to two beneficiaries at the same time, 50% for each beneficiary. If one of them dies before the insured, the beneficiary's beneficial right will be lost, and 100% of the death insurance money will be paid to the living beneficiary.
The second way: pay in sequence.
How to distribute: Pay 100% of the insurance premium in full to the first beneficiary. If the beneficiary dies before the insured, the insurance money shall be paid directly to the second beneficiary.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.