Answers: Estate means, assets and debts of the late person.
Effectively, it medium the life insurance have to go take-home pay off adjectives the debts of the deceased - including funeral costs and final medical expenses - and later any money left over get distributed according to the will, if there is one, or according to state ruling by a probate judge.
It method that the death benefit will stir into the estate when they pass away. The money will not travel to a specific person or shop.