遺棄人壽保險受益人？
遺棄人壽保險受益人？
 To expand a bit ... Life insurance proceeds are among a class of assets that "pass by contract" at death; in this case, the contract is the insurance policy with its beneficiary designation. (Other assets that pass by contract include IRAs / Qualified Retirement Plans, annuities, jointly-owned bank or investment accounts, etc.) Assets that don't pass to a beneficiary by operation of a contract are subject to probate, which is where a will comes in. It is possible to have the proceeds of a life insurance policy be distributed according to the terms of a will by naming the insured's estate as the policy beneficiary (e.g. Beneficiary: Estate of the Insured). However, doing so is generally avoided because of the disadvantages inherent in the probate process: During probate, a will is subject to being challenged by anyone with standing (generally, anyone who can prove a relationship to the deceased). A beneficiary designation isn't subject to those types of challenges. Assets of the probate estate are subject to the claims of creditors of the estate; life insurance proceeds paid to the insured's estate may get depleted to repay debts before the intended heirs receive any benefit. The probate process is a public court proceeding, andcan be lengthy. A life insurance death benefit claim involves only the beneficiary and the insurance company, and claims are generally paid very quickly - often within two weeks.
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