Life insurance policies, health insurance plans, and benefits paid out under a private disability insurance plan all raise key issues that need to be addressed during a divorce. For instance, issues raised by life insurance policies in divorce proceedings include whether the policy has any inherent value and is separate or marital property, whether the policy should be used as a guarantee of future support payments, whether the court can intercede if the decedent has made an unauthorized change in the beneficiary, and whether the estate of a deceased spouse is liable to make payments if an ex-spouse is to receive policy proceeds.