What if the beneficiares die before the policy holder dies and no new beneficiares were named?

If the beneficiaries die before the policyholder and no new beneficiaries have been named, the life insurance policy typically reverts to the policyholder's estate. In this case, the death benefit would be distributed according to the terms of the policyholder's will or, if there is no will, according to the state's intestacy laws. This could lead to delays in disbursement and potential disputes among heirs. It’s advisable for policyholders to regularly review and update their beneficiary designations to avoid such complications.