If the primary beneficiary dies before the insured, the benefits are payable to the contingent (or secondary) beneficiary. If no provisions were made for a contingent beneficiary, the benefits are payable to the estate of the insured. If the primary beneficiary passed away after the insured (but before benefits were paid), the benefits are payable to the estate of the beneficiary. If benefits are payable to an estate, the court appointed representative should complete the claimant's statement, and a copy of the appointment document should be provided with the other documents requested. Refer to " How Do I Submit A Life Insurance Claim" for claim filing instructions.

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