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It will depend upon the insurance policy, as there are contractual issues to deal with. If the policy is specific about the beneficiary, and they are no longer living, the money goes into the estate and the declaration of the will should be enforced.

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14y ago
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Q: If Mom was left life ins in uncles will but he did not change the beneficiary from dead brother of 30 years ago Who gets pay off My mom or dead brothers next of kin?
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