Co-Founder, Coastal Financial Partners Group, California
This is an legal question and not something upon which a life insurance professional can provide a reliable opinion. That said, as the life insurance policy is a legal contract, the insurance company will be obligated to pay the named primary beneficiary. Assuming the proceeds go to a named beneficiary rather than the estate, the proceeds are not normally subject to probate so it would be unlike challenging a will in probate.
Ultimately, a challenge would likely be a matter for the courts so finding experience legal help is critical. I am aware of a few examples where beneficiary designations have been challenged. The beneficiary designation might be demonstrated to be inconsistent with state law, especially elective or spousal share rules. Or, it might be demonstrated to not conform to other agreements such as split dollar agreements, divorce decrees, etc.
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Ultimately, a challenge would likely be a matter for the courts so finding experience legal help is critical. I am aware of a few examples where beneficiary designations have been challenged. The beneficiary designation might be demonstrated to be inconsistent with state law, especially elective or spousal share rules. Or, it might be demonstrated to not conform to other agreements such as split dollar agreements, divorce decrees, etc.