What amount can Darlene's beneficiary expect to receive after her death, given that she did not pay the premium due?

In the context of life insurance, if a policyholder, such as Darlene, passes away while there is an overdue premium, the payout to the beneficiary may be reduced by the amount of the unpaid premium. Typically, insurance companies will assess the premium amount that was due at the time of death.

If we consider the situation where the full death benefit is $50,000 and the premium Darlene did not pay is $500, the life insurance payout would reflect that unpaid premium. Thus, deducting the unpaid amount from the total benefit gives a final payout amount of $49,500 to the beneficiary.

Therefore, it is important to recognize that the life insurance policy is a contract that requires the policyholder to maintain premium payments in order for the full benefit to be payable. When premiums are not current, a corresponding reduction in the benefit paid upon death usually occurs, leading to the scenario described.