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Ask the Life Insurance Expert
If my son and his wife were to both pass away, who would their life insurance policies go to?
I assume they are the only beneficiaries on each other’s policies. If they passed away at the same time the policies would go into their estate. At that point, their wills (if they have wills) might define the new recipients. Or if their estate goes into probate a judge would decide.
Here's more on wills vs. life insurance.