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If you have no will does all your life insurance go to your spouse if you die?

I believe a will and a life insurance policy are two completely separate thin gs as to how you estate is handled.

If you have no will, your estate would go into probate.

However, if you have life insurance, the beneficiary of the life insurance policy receives the death benefit usually free from federal income tax.

The only way the life insurance would be involved with the estate would be if the life insurance policy named the estate as the beneficiary, in which case there would be estate taxes paid on the death benefit from the life insurance plan.

Here’s how you can learn more about the .

You may want to contact a tax attorney or estate planner as to how the estate is handled when there is no will left behind.

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