Section 632.96 - Beneficiaries in fraternal contracts(1) Any owner may designate as beneficiary any person permitted by the laws of the fraternal. Those laws shall authorize the designation of the estate of a member or insured employee as beneficiary.(2) Subject to sub. (1), s. 632.48 applies.1975 c. 373, 421; 1989 a. 336; 1997 a. 177.