Who should get the insurance money?

roguenuke said:

He forgot about it for over a decade?

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With all that we now know about how human memory works, this is not only possible, it's likely that this happens fairly often. People can convince themselves very easily that they've done something that they didn't do, just by having intended to do it. People who associate painful emotions with some particular subject often do have very distorted memories of that subject.

My overall point is that no one-size-fits-all rule will lead to just outcomes in every circumstance. Again, suppose the man left other documents, including perhaps testamentary documents, indicating that he thought he had changed the beneficiary and intended his current wife to get the money?

I don't know what the details of this particular case are; my point is more general here.