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? Important Notice