Aside from charities and foundations, you can also name churches, trusts, or estates as beneficiaries. That is, if you really don't have - or like - a family member or any actual person to be designated as a beneficiary.
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Life is hard; it's even harder when you don't have adequate preparation for life's uncertainties and certainties.
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I'd love to hear from my readers - and I respond, always. By the way, some examples might resonate with you or someone you know, please know that this is just circumstantial, and not malicious or intentional. Lastly, the views expressed here are purely mine and do not necessarily represent the views of Sun Life Philippines.