Is Life Insurance Included In A Will? 
Your life insurance is not included in your will . The monies are paid out as designated by the policy -LRB- the primary beneficiary -LRB- ies -RRB- are paid first - if the primary beneficiary predeceases the insured , the contingent beneficiary -LRB- ies -RRB- would be paid the proceeds -RRB- . If the monies are paid to the insured 's estate -LRB- the estate is the beneficiary to the policy or all named beneficiaries predeceased the insured -RRB- then the will would control how the monies are distributed because it controls who receives what from the estate . If the insured dies intestate -LRB- did not have a will -RRB- then the monies and the rest of the estate will go through the probate process . A life insurance trust can often be more useful for avariety of reasons including controlling exactly how you want the proceeds distributed and when they are distributed to the recipients , and estate tax purposes . 