Does CA 50/50 marriage law play into party when it comes to life insurance? 
Jim 's advice is spot-on here . The question and issue is so important that you should pay an attorney to advise you , especially given that 50 % of the policy 's proceeds might be at stake for you . You also mentioned in your question that your father passed away and that you were the `` insured . '' I think you are the beneficiary and he was the insured . So that check that out with the attorney as well and make sure to get sound legal advice before your turn in your father 's death certificate , so that there are no surprises . The life insurance company can also tell you if your father maintained sole ownership or if he ever added another owner . 