| First there is no data base of insurance policies, so if you don't know if he has a policy you will have to just go though all of boxes, papers and bank accounts and see if you can find payments to an insurance company.
If you have a policy you can look at the policy and also contact the company and find out who the beneficiary is.
If there is no beneficiary then the money goes into the estate and will be divided according to the will or by state law.
If there is a beneficiary, the money will go to them, and is not included in the estate | 
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