If I Die Who Gets My Life Insurance? 
When you purchase your life insurance policy , you have an opportunity to name a Primary Beneficiary . This is the person who , should you die while th policy is in force , will receive the proceeds of that policy . You also have an opportunity to name a Contingent Beneficiary , to whom the proceeds would be distributed if for some reason , your Primary Beneficiary has also died or can not for some reason receive the money . 