Is Life Insurance Community Property? 
Life insurance in community property states is typically denoted as community property if community funds purchased the policy . Community property is that which was purchased after the marriage , whether or not only one person is the insured , and whether or not only one person paid the premium -LRB- unless the premiums were the result of a personal gift -RRB- . The exception is if the beneficiary is the spouse ; then the life insurance proceeds go to the spouse-beneficiary . Not all states use this method of determining community property , so check with legal counsel to find out the guidelines for your state . 