Lakeland, FL asked in Probate and Consumer Law for Alabama

Q: What happens to life insurance if beneficiary dies before payout?

My mother lived in Huntsville Ala, Her common law husband passed away on may 12th she was listed as the beneficiary of his life insurance, However she passed away on the 21st before the insurance paid out. What happens to the money from life insurance now?

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1 Lawyer Answer
Jack T. Carney
Jack T. Carney
  • Probate Lawyer
  • Birmingham, AL
  • Licensed in Alabama

A: The most likely result is that the insurance proceeds would be payable to her estate. It would be necessary to open an estate administration in order to file a claim. You may want to contact the insurance company and see if the particular policy has a survivorship requirement (in other words must she have survived him by a certain number of days in order to collect on the policy).

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