誰擁有人壽保險？
誰擁有人壽保險？
 If the owner and insured are two different people and the owner predeceases the insured, the ownership of the life insurance policy would be given to the contingent policyowner, if one was named. If a contingent policyowner is not cited in the policy, then the policy would transfer to his/her's estate and go through the probate process. So, in short, ownership would be determined by a judge. When you set up a policy with the owner and beneficiary as the same person, many people will cite the contingent beneficiary as the contingent owner in case they want to carry the policy forward. Keep in mind, if the policy goes through the probate process to determine ownership, someone must still continue to pay the premiums. Please feel free to contact me for further assistance. Thanks very much.
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