<p>Just to make sure there’s no confusion, yes, the primary beneficiary of an insurance policy CAN disclaim the inheritance and leave the money to the secondary beneficiary(s) - if any are listed. We’ve done it several times with clients for estate planning reasons. Same is true for IRA/401K/Annuity - anything with a designated beneficiary. You’d need to complete either the insurance company’s disclaim form or a letter from you (usually involving an estate planning attorney, but not mandatory).</p>
<p>I’m not saying this is the smart thing to do in this case, just pointing out it is an available option.</p>