Do You Need A Will For Life Insurance? 
A will is not required with Life Insurance as you state who the beneficiary is . This overrides what the will says . If your beneficiary is a Trust or your Estate , then I would recommend having a will along with the Trust & Estate documents . Life Insurance proceeds avoid probate however a Will does not . Probate court will use the will to hear the last wishes but is not guaranteed it will be carried out especially if there are debts that are being pursued . 