What Happens With Life Insurance After Death? 
As long as a Life Insurance policy is in force at the time of death the death benefit of the policy will be paid to the named Beneficiary . At that point the policy is fulfilled . Unless the policy happens to be a `` Survivor '' policy where the death benefit is paid only on the death of the `` last to die '' or second to die . The death benefit is then paid to the beneficiary on the death of the last to die and the contract is fulfilled . 