Revised Code of Washington
Wash. Rev. Code § 48.18.390 (2026)
✓ current as of May 2026
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Where the individual insured and the beneficiary designated in a life insurance policy or policy insuring against accidental death have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy shall be distributed as if the insured had survived the beneficiary, unless otherwise expressly provided in the policy.
[1947 c 79 s .18.39; Rem. Supp. 1947 s 45.18.39.]
Notes:
Simultaneous death, uniform act: Chapter 11.05A RCW.
Notes of Decisions
Cited in 3
cases, 1998–1999 · leading case: Egelhoff v. Egelhoff, 139 Wash. 2d 557 (Wash. 1999).
Egelhoff v. Egelhoff, 139 Wash. 2d 557 (Wash. 1999). “05 RCW, and RCW 48.18.390 (beneficiary treated as having predeceased policyholder, leaving life insurance proceeds to the policyholder’s estate) and case law (statutory heirs inherit the life insurance policy proceeds when policyholder dies intestate).”
In Re Est. of Egelhoff, 989 P.2d 80 (Wash. 1999). “05 RCW, and RCW 48.18.390 (beneficiary treated as having predeceased policyholder, leaving life insurance proceeds to the policyholder's estate) and case law (statutory heirs inherit the life insurance policy proceeds when policyholder dies intestate).”
Matter of Est. of Egelhoff, 968 P.2d 924 (Wash. Ct. App. 1998). “010 operate, under certain circumstances, to treat the holder of life insurance as surviving the beneficiary as a matter of law.”
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