Does A Will Supercede A Life Insurance Beneficiary? 
No , a last will and testament does not override the beneficiary designation on a life insurance policy . Your testamentary will is used for directing assets of your estate that do not have joint ownership -LRB- such as real estate , or a bank account -RRB- . Your life insurance or annuity policy that has a legally designated beneficiary can not be overridden or voided by your last will and testament . 