Most people choose a beneficiary that is a relative or business associate for their life insurance to go to. If married, the primary beneficiary for most policy holders is their spouse. If single, many people choose a parent, sibling, or friend. If you want your life insurance money to be used for your final expenses, you should choose a beneficiary that you can trust to spend the money as desired, or else form a trust and leave the money to a trust. If the purpose for your life insurance is to replace income that someone else counted on, that is the person(s) who should be your beneficiary.
Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
By your question, "Who should life insurance go to?" I assume you mean, "Who should receive the death benefit payment from your life insurance". The simple answer is: the benefit payment from your life insurance should go to the person or person YOU assign it to go to! That person or persons are called the "named beneficiary" (or beneficiaries).
Who you choose to name as your beneficiary is entirely up to you.
.JPG){kind=avatar}
Who you choose to name as your beneficiary is entirely up to you.