Who is considered the next of kin?
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Jan 5, 2022
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Quick Facts
Your life insurance policy does not need to follow next of kin in all states if you list beneficiaries
In states that recognize the next of kin order, your wife, husband, or domestic partner are generally at the top
To make sure that the right person inherits proceeds of your life insurance policy, name a next of kin and take legal action beforehand
Who is considered next of kin for life insurance companies and what are next-of-kin rights? Life insurance companies generally do not need to recognize your next of kin if you list beneficiaries.
Generally, next of kin is a legal term that determines who inherits a person’s property or who makes funeral arrangements if you die intestate (without a will).
Your permanent life insurance policy is part of your estate, but only your named beneficiaries will receive the proceeds outside of one exception.
Read on to know more about next of kin and how it is connected to life insurance. When you are ready to see rates from top life insurance companies in your area, enter your ZIP code into our free quote tool above.
What is next of kin order?
If you take out a life insurance policy without naming beneficiaries, the proceeds will go to eligible blood relatives based on who is next of kin. This is the general order:
Your spouse (or domestic partner)
Adult child (even if adopted)
Parent
Adult sibling
An adult grandchild
An adult niece or nephew
Grandparent
Aunt or uncle
Adult first cousin
Great grandparent
Great-aunt or great-uncle
Adult second cousin
From there, the next of kin depends on the descending order of your blood relatives. In the cases where a minor child is your only living relative, their current guardian may act on their behalf when it comes to making legal decisions regarding your estate. Otherwise, the order goes to the next eligible person.
In most cases, none of your spouse’s relatives can be next of kin. However, some states might recognize your in-laws in the next-of-kin order.
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Who can you list as next of kin for life insurance purposes?
You generally do not need to list a next of kin for a life insurance policy. Just list a beneficiary.
Again, life insurance policies allow named beneficiaries to share in your plan. You may name a beneficiary who is not related to you, including a domestic partner. In some cases, your beneficiary is the policyholder. They can make changes to a life care plan, but only with your permission.
Now, your spouse may split the proceeds of your life insurance policy even if did not name them, provided you both live in a community property state. However, your spouse can opt out of this provision by signing a waiver.
How do different states interpret the next-of-kin order?
There are no federal next-of-kin laws in the United States, so it falls on the individual states. The next-of-kin order differs slightly from state to state, but they generally follow the order listed above.
The differences in next-of-kin laws in individual states are too numerous to name, but we can say that nine states are full community property states:
Arizona
California
Idaho
Louisiana
Nevada
New Mexico
Texas
Washington
Wisconsin
Alaska, South Dakota, and Tennessee allow married couples to opt into community property rules. In those states, you and your spouse can separate debts and assets to decide what you will share. Also, you can establish a trust to hold assets that you will treat as community property.
States’ Recognition of Domestic Partnerships
Not all states recognize domestic partnerships. That means your domestic partner is not entitled to the proceeds of your life insurance policy unless they are a named beneficiary.
Other Next-of-Kin Notes Among States
Maine follows a clear order, except the Maine legislature enumerates an Adjutant General or someone that the Adjutant General designates for a veteran.
These are notable wrinkles regarding who is next of kin in North Carolina law:
Some states do not recognize estranged/formally separated spouses in the next-of-kin order, but North Carolina is a state that does.
The order only goes as far as your adult siblings.
North Carolina allows a person you designate to serve as your next of kin, and that person can be at the top of the order.
Compare that to the state of Virginia, which recognizes a full order of blood relations and is more specific for a non-related adult who can act as your next of kin:
That person may not be a healthcare professional who works at the facility where you are receiving care.
The person must have shown special care for you and your condition.
The person knows your religious beliefs, values, and preferences.
You may need to check with your state to know about the intricacies of the law.
How to establish next of kin
If you want to make sure that the right person will inherit proceeds from your life insurance policy, you need to be proactive.
First, choose a life insurance beneficiary.
Make a living will if you are in declining health.
Draft a normal will to transfer your other assets to beneficiaries if that is what you want.
Make your healthcare preferences known in writing so you receive the care you desire.
Now you know whether next of kin exists for health insurance and what your next of kin’s rights are regarding your health care.
Are you ready to see rates from top life insurance companies in your area? Just enter your ZIP code into our free quote tool below to get started.
