Getting a divorce does not automatically invalidate or change your life insurance policy. However, if your ex-spouse was named an irrevocable beneficiary of your policy, you’ll need their consent to remove them and may need them to approve any other changes to your policy.

Which states revoke a persons beneficiary rights upon divorce?

There are at least twenty-three (23) states that have revocation of nonprobate assets upon divorce statutes. The statutes in Alaska, Arizona, Colorado, Hawaii, Idaho, Minnesota, Montana, New Mexico, North Dakota, South Dakota, and Utah[6] are modelled upon § 2-804 of the Uniform Probate Code (UPC).

What happens to a life insurance beneficiary after a divorce?

Approximately half of all states have laws that automatically revoke the beneficiary designation to a former spouse after the divorce is final. If the insured person dies and a former spouse is named as beneficiary on the policy, the proceeds may go to either the contingent beneficiary or to…

Can a divorce decree override a named beneficiary?

Such factors as the type of policy, the state where the policy was issued, and where the couple lived, and the divorce decree will come into play when it is time to pay the life insurance benefit. Can a Divorce Decree Override a Named Beneficiary? Yes and no.

Can a support obligee be a beneficiary after a divorce?

In states that have automatic revocation, an insured can comply with a court order to name a support obligee as beneficiary by completing a new beneficiary designation form following the divorce redesignating the former spouse as beneficiary. Not every state has an “automatic revocation” statute.

Can a spouse collect on a life insurance policy?

Certain federal laws governing federal life insurance policies can trump conflicting state law documents, including divorce decrees.