insurance beneficiary

One person had an insurance policy and never changed the beneficiary?
If a person has an insurance policy and the beneficiary died before that the policyholder, which they are entitled to pay, children beneficiaries or executor of the will. Thanks in advance.
Unless a beneficiary of alternate insurance money paid to the beneficiary's property and distributed in accordance with the terms of the will or the applicable law if no will.
Insurance Information : How to Pick a Life Insurance Beneficiary
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