If the primary beneficiary dies before the insured, the benefits are usually paid to the surviving beneficiary(ies), the contingent beneficiary(ies), or second contingent beneficiary(ies). If there is no surviving beneficiary or contingent beneficiary, the benefits are paid to the policy owner or the insured's estate depending on the policy language. If the beneficiary passed away after the insured but before benefits were paid, the benefits are payable to the beneficiary's estate. If benefits are payable to an estate, the court-appointed representative should complete the claimant's statement and provide us with a copy of the appointment document. Please note that a death certificate for the deceased beneficiary is required. Please keep in mind that your circumstances may vary and the ultimate beneficiary(ies) will be determined during the claim process. Please contact us for information specific to your claim.