The beneficiaries that you name in your life insurance policy when you purchase your life insurance will follow you to the grave unless you change the beneficiary.
If you want to change the beneficiary of your life insurance policy you can, but you need to request a beneficiary change request form from the life insurance company to make the change, so that your life insurance proceeds go to the person or persons that you intended.
Life insurance proceeds will only be paid out to the person or entity that is designated as the beneficiary of your life insurance policy.
In the event that you do not have a designated beneficiary or all designated beneficiaries have died before the insured, the proceeds would be paid out to the estate of the insured person.
When the proceeds of a life insurance policy are paid out to the person's estate, it can be subjected to the probate process and the courts may end up determining how it's distributed. That means there may be estate taxes taken out of the life insurance death benefit.
Learn more about life insurance taxes and make sure to discuss tax implications of your life insurance plan with your tax person.