If you want detailed information about your situation, I recommend referring to the life insurance policy documents and, if necessary, seeking advice from an estate planning attorney.
If a beneficiary decides to forfeit their claim to a life insurance policy, the funds are typically redirected according to the policy’s beneficiary designation order. If the primary beneficiary forfeits, the proceeds usually go to any secondary or contingent beneficiaries listed in the policy. If no such beneficiaries are named, the funds may be directed to the deceased’s estate. To process the forfeiture, the beneficiary must submit a formal written notice to the insurance company, which will then update its records and distribute the funds as per the beneficiary designations. It’s important to keep all documentation related to the forfeiture for your records.