On one of the life insurance policies that my mother-in-law had through her job (before she retired) with the Department of Agriculture, the beneficiaries were my DH, his brother, and his sister, so rather than paying to the estate upon her death, they would only pay the beneficiaries directly. We got the check in the mail yesterday. It was much more than I expected -- not sure what my DH expected. It was almost $11,000.00!