§58-1005.

§58-1005.
   
   Where the insured or the annuitant and the beneficiary in a policy of
   life or accident insurance or in an annuity contract have died and
   there is no sufficient evidence to establish that they have died other
   than simultaneously, the proceeds of the policy or contract shall be
   distributed as if the insured or annuitant had survived the
   beneficiary, except if the policy or contract is community property of
   the insured or annuitant and his spouse, and there is no alternative
   beneficiary, or no alternative beneficiary except the estate or
   personal representatives of the insured, the proceeds shall be