Can A Minor Be A Beneficiary Of A Life Insurance Policy? 
Minors can certainly be named as a beneficiary to an insurance policy . But what you want to consider is what the purpose of the insurance is . If you want the insurance to cover your final and burial expenses then you may not want to name a minor because he or she will not have access to the money until age 18 or 21 depending on where you live . If the purpose is to leave a legacy for the minor , the best thing to do is create a living trust . Name the trust as the beneficiary and earmark those funds for the minor . A living trust is very flexible . You can basically say when and for what reason the minor can have access to the funds . You can say that money can be paid for the minors private education ; you can say the minor gets 25 % at age 21 , etc. . And the best part is whatever you have specified ca n't be changed after your passing AND the trust does not go through probate . So , there is no court intervention or delays . 