The proceeds of the policy are paid to the estate and the estate must be probated. There is usually an expedited probate process for small estates. You should inquire at your probate court.
if someone died and left an insurance policy and named me beneficiary how can i find out
No.
yes. until you change the beneficiary they will stay on there
Yes. You should also name a contingent beneficiary in case the primary beneficiary predeceases you.
You google it
viaticle
== == Ask to see the change of beneficiary forms. Verify signatures.
A beneficiary is the person who receives the benefit (usually money) from an insurance policy or a trust.
If its your policy, Just call your agent======== If not, Then NO!
If your wife dies and she has an insurance policy with someone other than you as a beneficiary, then chances are the contingent beneficiary will receive the life insurance payment. Naming at least one contingent beneficiary on a life insurance policy will help ensure that the insurance benefits are not tied up in courts. If you don't name a contingent beneficiary, a line of descendants may be followed, depending on your state or country. You should probably speak with a life insurance agent to get answers to your specific question as it pertains to your country and state.
No, only the person showing as the policy owner can make any changes on a life insurance policy, including changing the beneficiary. In some situations, the beneficiary is also the owner - in that case changes can be made.
In that case, the money will be kept deposited with the insurance company as unclaimed amount. In absence of the beneficiary, the insurance company can pay the money to the legal heir of the policy holder, but that has to be sufficiently proved in the Court of Law.