Do I Need A Will For Life Insurance? 
A life insurance policy is a contract . The provisions of the policy operate outside of probate . A will is not required to direct the proceeds of a life insurance policy . The only time that it does direct the proceeds is if the beneficiary and contingent beneficiary are no longer alive or waive their right to receive the funds . That is really one of the beauties of life insurance . It passes without probate to those who you love in a very timely manner . 