Can A Life Insurance Beneficiary Be Contested? 
This is an legal question more than a life insurance question . It is not something upon which a life insurance professional can provide a reliable opinion . That said , as the life insurance policy is a legal contract , the insurance company will be obligated to pay the named primary beneficiary . Assuming the proceeds go to a named beneficiary rather than the estate , the proceeds are not normally subject to probate so it would be unlike challenging a will in probate . Ultimately , a challenge would likely be a matter for the courts so finding experienced legal help is critical . I am aware of a few examples where beneficiary designations have been challenged . The beneficiary designation might be demonstrated to be inconsistent with state law , especially elective or spousal share rules . Or , it might be demonstrated to not conform to other agreements such as split dollar agreements , divorce decrees , etc. . 