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Hello! I am a licensed attorney, eligible to practice in front of state and federal court, who is ready to help. I have a nearly 100% satisfaction rating (click here to see my ratings information) so all that means is that you can count on me to help today. I'm sorry to hear about your situation. The answer to your question unfortunately is yes. A person that has an insurance policy is allowed to change the designation of their beneficiaries at any time. They do not need to consult their spouse.
If your husband had a will, and you were left off from receiving anything in the will, then there is a chance that you may receive something under what is called a “pretermitted spouse.” all this means is that the law will presume that your husband intended to provide for you, but simply forgot to do so. If your husband specifically said that he was not going to be leaving anything to you and as well, then that legal theory won't apply. Otherwise, it may be useful for you to double-check his will, if he had one, to see whether you can still claim something. I'm sorry and I wish I had better news for you in the situation
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