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my understanding is that the wedding is good and all but it's just a ceremony. it's not official and legal until the marriage certificate is signed, which I believe happens during the reception
If that's true, what happens in this case regarding insurance, beneficiaries etc. if legally she wasn't officially his wife yet?
My view: I think this may vary by state but I think it depends on the timing of the signatures. If the couple have signed their license before the ceremony and then all that is left is for the officiant to sign after (which is then filed with the county clerk’s office, which then issues the marriage certificate) then I think the officiant’s signature is ministerial and can happen after even if the bride dies moments after the wedding.
If the couple (either by choice or by state rules) don’t sign until after - it depends on when the death happens. If they have signed it, it’s valid, if they haven’t, it isn’t.
I would have to do some research to see what the SC procedure is. But my strong suspicion is that if the bride completed both the signature of the license (whenever she did it) and marriage ceremony, they were married as a matter of law.