The policy is paid to the beneficiary. It should be placed in trust for the child if the child is a minor. If the child is an adult, the proceeds will be sent to the named beneficiary.
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.
IF you are still the beneficiary on file for your ex-spouse then you are legally entitled to that money. If there was an updated beneficiary that lists other people as the beneficiary then you are not. On caveat is if you are listed as the beneficiary and the ex-spouse has a will in place that leaves the account to someone else, then you are not entitled.
No, if she was the named beneficiary the benefits belongs to her, and she has no legal responsibility for the deceased's children.
You can name anyone as beneficiary.
No.
In rare cases, a person will make a close friend or relative the beneficiary of their life insurance policy instead of their spouse.
No. The beneficiary is whoever is specifically named on the policy.
who collects the life insurance in a marriage when one spouse dies and theres no beneficiary on file
The length of the marriage is what usually determines if a spouse or ex spouse is entitled to any pension benefits either private, SS or RRB.
Probably Spouse first, then his Estate then the children.
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.
If the life insurance policy had listed as the beneficiary the spouse only then it is not considered part of the estate and is not subject to claims. If the beneficiary is the estate then it is subject to claims. The only problem with the spouse being the only beneficiary is if she was a party to the claims personally then perhaps she and the proceeds from the life insurance could be subject to these claims.