Contest it how and why? I am going to have to assume that you are saying someone died and had a girlfriend or someone else as the beneficiary on a life insurance policy and not his wife. If this is the case she can try but she will not be successful in contesting it. A life insurance application and policy make up a legally binding contract. If he did not put her as beneficiary it was because he was forgetful or didn't want to leave her the money. In either case the court will side with the only evidence of his intention which is his last beneficiary designation which was signed and witnessed and is legally binding. She will be wasting legal fees.
It is doubtful. Check the divorce decree, as it may specify that certain things had to be changed.
No, the spouse is not. The beneficiary is named. There are laws that require the spouse to sign an acknowledgement that there is life insurance that she is not the beneficiary of.
Yes one can buy life insurance for his or her spouse because he or she has insurable interest in the spouse. One would not like to see his or her spouse die so there is no moral hazard involved.
Your spouse can get a separate policy (usually cheaper) or you can contact your insurance company to get the right paperwork for adding your spouse. Adding your spouse as a beneficiary, your agent can help.
No
No.
life insurance payouts
In rare cases, a person will make a close friend or relative the beneficiary of their life insurance policy instead of their spouse.
Whether or not a surviving spouse is entitiled to any life insurance proceeds DEPENDS on the fact that most, if not all, policies must be paid to the named beneficiaries in the insurance policy records.
Joint credit life insurance is money paid to you or your spouse if either of your are ever arrested on drug charges.
Spouse gets 100% unless noted in will
Life insurance is a necessity if you have a spouse and/or children that rely on you for their subsistence. If you have no dependents it is not necessary to create a windfall for someone else.
who collects the life insurance in a marriage when one spouse dies and theres no beneficiary on file