Life insurance policies usually name a beneficiary, which means that the policyholder listed a specific person to receive the distribution of the policy at their death. It can be a straightforward process, and in most cases it’s fairly quick. The proceeds of the life insurance do not need to go through probate, which means that they should be directly distributed to the named beneficiary. There’s no court process of judicial approval required.

Disputes can arise, however, about who the correct beneficiary is or whether the policy can be distributed at all. If you are unable to get the proceeds of…
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