What Happens To A Life Insurance Policy With No Beneficiary?

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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    If there is no stated primary beneficiary, nor contingent beneficiary alive when the insured passes, the proceeds of a policy would become part of the estate and subject to probate.  If the beneficiary was alive longer than the insured, the proceeds would go into the beneficiaires estate and subject to probate regarding their estate.
    Answered on May 5, 2013
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