Who Gets Life Insurance If Beneficiary Is Dead? 
If the beneficiary is deceased and there is no secondary beneficiary named then the proceeds would go into the estate . This means that the life insure will now become subject to probate . I highly suggest naming a secondary -LRB- contingent -RRB- beneficiary to your life insurance policies if you have n't already done so . If you can not find your agent , call the company and they can send you the forms . If you still have problems a good experienced agent can help . 