Do Life Insurance Proceeds Go Into Estate? 
Life insurance will only go into the estate if the named beneficiaries are deceased and the beneficiaries were not changed or if the estate is the named beneficiary . It is important to review your policies to make sure they are properly set up . I have ran into occasions for example where a husband and wife die close together and did n't have time to change the beneficiary . If a contingent beneficiary had been named , that beneficiary would have received the money . Because no contingent beneficiary was named the money went to the estate . 