Most states have adopted a law known as the Uniform Simultaneous Death Act. Under this Act, if there’s no clear evidence of who died first — you or your beneficiary — then your life insurance policy is distributed as though you survived the beneficiary, and the life insurance proceeds (death benefit) would go to your contingent beneficiaries. However, if clear evidence exists that your primary beneficiary survived you, then the proceeds would go to the beneficiary’s estate. 

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