There are a few things that can help determine whether or not a life insurance policy counts as community property when a divorce is filed. First of all, if you live in a community property state, then it may be considered community property. Also, if you bought the life insurance while you were married and living in that state, then it may be considered community property.
As part of your divorce decree, you may have to give up some of your life insurance value. There are some cases where even if your removed your spouse during your marriage they may still be able to collect your death benefit. Getting permission from your spouse to remove them as a beneficiary will protect you from losing the value of your life insurance during a divorce.