A spouse may have a community interest in life insurance policy acquired during the marriage even if someone else is the beneficiary. Inception of title is the key.
An estranged spouse can make a claim as well. Common law wives as well. You can acquire up to your 1/2 half community interest.
If the wife is not otherwise provided for in the estate you can make a claim with help of an attorney.
If a divorced spouse received the insurance, you can challenge this.
