How do I collect insurance money if beneficiaries died first? | NC

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Q: How do I collect an insurance benefit after a relative dies if the original beneficiaries already passed away? A: Usually, if no named beneficiary is still living, the insurance company treats the benefit as payable to the estate, not directly to family members. That means someone must collect it through the estate process. If the estate qualifies, a small-estate affidavit may be enough after…