Insurance Beneficiary Requirements Explained

Summary

In Ohio, life insurance proceeds are paid directly to the named beneficiary, bypassing probate. If not listed as a beneficiary, you likely wont receive the proceeds. Without a will, Ohios intestacy laws determine estate distribution. If your sister is the named beneficiary, she will receive the life insurance benefits.

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Do you have to be listed as a beneficiary on an insurance claim after a parent dies?
To receive life insurance proceeds, you must be listed as a beneficiary on the policy. If not, the policy's terms will determine the next steps, often involving the estate's executor.
Is the insurance policy part of the deceased's estate?
No and he had no will
Hi Abby, in Ohio, if there is no will (intestate), the state's intestacy laws determine how the estate is distributed. If the insurance policy is not part of the estate and you are not listed as a beneficiary, you likely won't receive proceeds.
Is there any other asset or property involved?
He left his life insurance through his job to my sister. This was the only beneficiary on anything he had
Since your sister is listed as the beneficiary on your father's life insurance policy, she is the one entitled to receive the proceeds. In Ohio, life insurance benefits typically bypass probate and go directly to the named beneficiary.
Do you have questions about any other assets or property?