Final answer:
An irrevocable beneficiary is the type of life insurance beneficiary who must consent to any changes in the beneficiary designation. They have a vested interest in the policy, unlike primary or contingent beneficiaries.
Step-by-step explanation:
The kind of life insurance beneficiary that requires his or her consent when a change of beneficiary is made is an irrevocable beneficiary. Unlike primary or contingent beneficiaries, an irrevocable beneficiary has a vested interest in the policy. This means that the policy owner cannot change the beneficiary without the consent of the irrevocable beneficiary. The primary beneficiary is the first in line to receive the death benefit, but they do not need to give consent for changes. A contingent beneficiary is next in line after the primary, if the primary beneficiary is not alive or cannot be found, but also does not require consent for changes. Trust beneficiaries are beneficiaries under a trust and can be either revocable or irrevocable depending on the terms of the trust.