If I Die Who Gets My Life Insurance? 
If you have named a beneficiary the proceeds from your life insurance will go to them . If you have named a contingent beneficiary , and the primary has also passed , the life insurance goes to that person or persons . IF both the primary beneficiary and the secondary -LRB- or contingent -RRB- beneficiary have passed . The proceeds would become part of your estate and subject to probate at that point . 