Does Life Insurance Go Into An Estate? 
You have hit on one of the Greatest Values in Life Insurance . If you name a beneficiary , and they are alive at your death , the payment does directly to them , and not into your estate ! However , if they die before you and you have not named a replacement beneficiary , it will go into your estate . So avoid the great expense of probate , and the lengthy delays of going to probate court , and be sure to keep up to date your named beneficiary . Thank you . GARY LANE . 