Does A Will Override A Life Insurance Policy? 
As my colleagues have stated , in a word , no , a will does not override the terms and conditions specified in a LIfe Insurance policy . It is usually important that they work together hand in hand as it were , but it is not necessary . Your life insurance policy will , at the time of your death , pay the proceeds as you have specified to your beneficiary or contingent beneficiary . These proceeds will pass directly to that person or entity and are not subject to attachment of any kind including claims by creditors or taxes . It is important to be sure to keep your beneficiary and contingent beneficiary up to date because in the event that neither is available to receive the proceeds , then they become part of your estate and therefore subject to both probate and any claims . 