If I am the beneficiary on my ex-husband’s life insurance policy, does the divorce invalidate me as the beneficiary?

Me and my husband got divorced 5 years ago. If I am still listed as the beneficiary on his life insurance policies does the divorce invalidate them or am I still the beneficiary? There was nothing stated about the policies in the divorce decree. We have 4 kids 3 adults and one teen if I was invalidated from collecting the insurance money would it go directly to them? The contigent beneficiary is dead.

Asked on July 9, 2012 under Insurance Law, Minnesota


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

An insurance policy is a contract. If you were named as an individual--i.e. using your name, not your marital status--you should still be the beneficiary. However, if the policy in any way identified you as his "wife," then the fact that you are no longer his wife most likely means that you are not the beneficiary anymore.

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