Are life insurance proceeds part of the estate?

Question Details:

If my husband passes away will his life insurance, that I am the beneficiary of, go to me or his estate? Will those funds be required to pay off any debts that he has? It is a second marriage for us both so we both have debts that do not include the other (they were incurred prior to our marriage). If the children are the beneficiaries, the same question. Where do the life insurance funds go and do they have to go through probate also?

Answered 7 years ago| Contributor
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you go to and retain an attorney to represent you.