Can you refuse benefit from a life insurance policy?

If it is someone else's policy where you are the beneficiary, you can refuse the benefit as no one force you. If you do not accept the cheque or give your bank account details for an online transfer depending on the company, there's no way they can pay you nor can they force you. It then simply reverts to the person's legal heirs, if none of them come forward the money goes into a kind of suspense account.

If its your own policy, then its a case of avoiding to receive the benefits and it will be construed that for legal purposes you have received them.

*above answer provided by me but for some reason does not provide credit, when we click on their link to respond nor asks us at start to sign-in. Can you correct this anomaly please.