If I Die Who Gets My Life Insurance? 
The person or entity -LRB- charity or business -RRB- that would receive your death benefit if you were to die is called your beneficiary . Your life insurance would go to your primary beneficiary first . If you were to die along with your primary beneficiary , the death benefit would go to your contingent beneficiary . Beneficiary designation is very important . Experienced agents will perform regular beneficiary audits to make sure that in the event a client dies , their death benefit goes where the client whished it to go . 