What Happens If Life Insurance Beneficiary Is A Minor? 
If a beneficiary is a minor the money would be placed in a trust until the child reaches 18 , in most cases . I do not recommend leaving life insurance proceeds to a minor child . It would be better to either establish a trust or leave it to a trusted family member with instructions that the money be set aside and used for the child . A trust would be the safest way because you can spell out how the children receive the money . 