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The proceeds of life insurance policies are distributed in accordance with the details of the policy. The policy may be based on the life (or death) of the will maker (now deceased) however he or she may not actually own the policy or be entitled too receive any proceeds from the policy on death or direct who should receive funds.
If the deceased person was the owner of his or her own life insurance policy the funds will go to the person nominated by the deceased or to the deceased personal representative (executor or administrator).
The answer to the distribution/payment of the proceeds of a life policy lies in the policy details and nominations.