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Ask the Life Insurance Expert

Have had life insurance on me and my husband for 16 years. He has cancer and changed the policy to his son six months ago without me knowing. Do I get the life insurance on my deceased husband?

I think you already know the answer. No, whoever is listed as the beneficiary gets the life insurance money. A spouse has no automatic right to the death benefit.

There must be a reason he changed the beneficiary. Does the son need financial support more than you do?

Last updated: Mar. 19, 2013