Can A Minor Be Beneficiary For Life Insurance? 
Yes , a minor can be beneficiary for life insurance . However , if the proceeds are received prior to the legal age of becoming an adult -LRB- either age 18 or 21 , depending on the state -RRB- , the court will usually appoint a guardian to handle the child 's life insurance payments for them . Or , relatives may have to spend the time and money to appoint a guardian . If leaving life insurance to a child , it is best to have that set up ahead of time . 