Some states have laws that automatically revoke beneficiary designations to ex-spouses once the divorces are final, unless the policy is part of a divorce agreement. If the insured person dies and the ex-spouse is still named as beneficiary, the proceeds go to the secondary beneficiary; if there is no secondary beneficiary, they generally go into the deceased's estate. This protects current spouses from oversights.But those state laws are pre-empted if the coverage is through an employer-sponsored plan governed by federal law.
A spouse's right to life insurance money
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