Are there any laws governing how quickly a life insurance policy must be distributed to beneficiaries in the state of Minnesota? There was some confusion within the life insurance company because a beneficiary change was made online. Immediately after the death of the policy holder the ex-wife was told the children were the sole beneficiaries since there was none listed, however, this was wrong and was discovered 4 weeks after the death, but before any distributions were made. The insurance company has received all necessary paperwork from me (the actual beneficiary) including a certified death certificate and they are now saying they want to wait for distribution until the mother of the children has been notified. This seems odd to me since notifying her doesn't effect the outcome.