(a) Requisitos para control.— Un acreedor garantizado tendrá control sobre una póliza de seguros de vida:
(1) Si el acreedor garantizado es el asegurador que emitió la póliza, o
(2) si el acreedor garantizado no es el asegurador, cuando el asegurador autentica un récord que reconoce la garantía mobiliaria constituida sobre la póliza a favor del acreedor garantizado.
(b) Requisitos adicionales: consentimiento del beneficiario.— Si el beneficiario de una póliza de seguro de vida provista como propiedad gravada no es el asegurado o sus herederos, una garantía mobiliaria no se constituirá con relación a los derechos sobre la póliza de seguro hasta que el beneficiario emita su consentimiento por escrito. Este requisito no aplicará cuando el beneficiario pueda ser cambiado a petición exclusiva del asegurado o cuando la póliza provea que la misma puede ser entregada en prenda o cedida sin el consentimiento del beneficiario.
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