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Just as the beneficiary designations trump whatever is in a will...same goes for state law. The insurance company is going to pay according to the contract.
According to the contract in compliance with state law. Any clause of a contract that violate state or federal law is null and void. Any contract containing such a clause and not having a severability clause is completely null and void.
A beneficiary designation trumps the will because state law says so.
So again I ask to SquishyDolphin, what does he mean when he says that the company said the policy precedes state law?