As a point of reference -
In the Michael Peterson case, also local in NC, there was a million dollar or so policy on the wife who was murdered, Kathleen. The insurance company refused to pay out the policy until after the case was totally resolved - after Michael was found guilty. The beneficiary of the original policy was Kathleen's FIRST husband, but, she had completed the paperwork awhile back to change the beneficiary to Michael (althought she never actually signed the paperwork) , so all of that complicated things a little. In the end, the death claim was paid out to both the first husband, interestingly enough, and Kathleen's natural daughter - nothing to Michael.