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I'm so sorry to hear about your loss. I hope your husband rests in peace.
On a life insurance policy, if no one was named, or if the named beneficiaries did not survive the insured, then, usually, the estate is considered to be the beneficiary. If the estate is the beneficiary, the estate is going to have to open a probate proceeding and an executor or personal representative must be appointed by the court. Probate is the official way that an estate gets settled under the supervision of the court. The purpose of probate is to prevent fraud after someone's death. If you click here, you can see the forms and contact information to your local GA court.
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