Different policy/plan has different rules. You really need to clarify. You'd better check with your actual plan administrator to ask them whether the money to your kids would go through probate or not. Your goal is to avoid probate, the money is delayed for a few months to a year before your kids can use it (I assume you'll designate a guardian in your will).
The only possible downside is that one situation might get the money directly to your kids without probate, and in another they goes your estate (deceased property) and wait for a year to be probated to your kids.
If your estate is less than 5.2 mil (one person) or 10 mil (a couple), you don't worry about estate tax.
The only possible downside is that one situation might get the money directly to your kids without probate, and in another they goes your estate (deceased property) and wait for a year to be probated to your kids.
If your estate is less than 5.2 mil (one person) or 10 mil (a couple), you don't worry about estate tax.
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