This thread is a big mess (in no small part because of your apparent lack of skill writing in the English language), but here is some information that might be helpful:
1. The proceeds of a life insurance policy are payable to the named beneficiary. If there is no named beneficiary, then the proceeds are typically paid to the executor of the deceased's estate and, if not needed to pay estate debt, are distributed in accordance with the provisions of the deceased's will or the applicable law of intestate succession (i.e., the law that says who gets what when a person dies without a will).
2. If an insured under a life insurance policy is married and designates someone other than his/her spouse as beneficiary, the spouse might be able to challenge the beneficiary designation and obtain some or all of the policy proceeds.
3. California has never allowed the formation of common law marriages. Oklahoma does allow the formation of common law marriages, but simply living with someone does not make for a common law marriage.
With all that said, it would be helpful if you made an effort to tell us some relevant facts.