can someone contest a life insurance beneficary after someone has died?
144058
Technically yes, but practically no.\n\nThere is no formal procedure like contesting a will.  If a person belives that the deceased changed the beneficiary, that person can contact the life insurance company, or sue the life insurance company, and bring forth evidence that somehow the life insurance company's records are wrong.\n\nBut the beneficiary won't be changed based on what is in the will, or any evidence other than that the life insurance company made a mistake.  You can't argue that the deeceased changed her mind, if she didn't tell the life insurance company.\n\nYour argument is: she didn't leave me anything in the will, because she knew she had left me the life insurance.
875582
It's pretty unusual for a CLAIM to pass over to the underwriters.  It would be helpful if you could tell us what kind of claim this is (death claim on life insurance, medical bill, car, house, workers comp, etc.)\n\nWhat it means, is the underwriter has to look at the policy terms & conditions, and determine if the claim is covered.  What this implies, is that there's something really oddball about your claim, because the claims adjuster couldn't figure it out themself.
848577
Send a written complaint to the state insurance commissioner where your mother resided when she purchased the policy.  Make sure it's signed by all beneficiaries.  This process is free and faster than taking an insurer to court.\n\nThe only good news is this:  if the insurer has withheld a portion of the proceeds, you'll be paid interest from the date of death.  Don't take "no" for an answer when it comes to interest on these proceeds.  This should have been worked out at the time the claim was first filed.\n\nI hope this helps.
1171965
Yes, a life insurance company can refuse to pay after first 2 years of the policy. If you gave any false information or left out some information, the insurance company can refuse to pay death benefits. But they can return all premiums you paid into the policy (if such law exists in your state or country. In my state, it does).\n\nLife insurance contracts have a 2 year incontestability clause. No matter what false info you have on the life application, they can't contest or past judgement on you for 2 full years. After that, if they find something isn't right with the life application, they can investigate.
349759
You may need to contact an attorney to assist you get more information from the insurance company. You may be able to collect, but only through satisfaction of the deceased or beneficiary(ies) wills or local intestacy law. If the money have been paid by the Insurance Company to the State "Unclaimed Property" fund, the rightful person(s) may petition the state for the release of the fund.
257400
They recieve a full honors funeral including salute, flag presentaion, color guard and headstone. and the family will still recive SGLI (life insurance) and death gratuity. They will also recieve Social Security if eligable. However, VA will not give any benifits such as DIC, SBP, or educational benifits. My husband died, while on active duty, from huffing dust-off. It was classified "accidental due to intentional misconduct."
623094
NO...a Beneficiary should NEVER have to pay to receive the proceeds. \n\nInsurance Companies are regulated by each specific state so I would definitely take this to the Insurance Commissioner's office.  In addition, report this attorney to the state bar association for a possible ethics violation. Check if there has been any other complaints against this lawyer. If there isn't...file ONE!\n\nDo know that Annuities DO NOT go through Probate. That's one of the things that makes Annuities a good investment as its death benefit is like a life insurance that bypasses probate so there is definitely no need for lawyers to file the claim. Depending on how much it is, if you wish, you may be able to hire your own lawyer for legal advice. \nBut once you find out what insurance company it is, as a beneficiary you will have some type of legal access to the policy.\n\nMost County Courthouse also offer 30-60minute FREE Consultation.
438673
Only product available that i know of is a "guaranteed issue" life insurance policy from Presidential Life.\n\nYou can get a maximum of $50,000 of coverage, and the death benefit is graded for the first years of hte policy, meaning that if you died in year 1-3, the company pays your premiums back only.  after that, the full death benefit is paid.
692282
its not his insurance that matters.  Its yours.  Call the insurance company and inform them of the death and to make the appropriate changes to the coverage to cover the current drivers.
839414
In United States, insurance companies has a "Suicide clause" amended to the policy. This say that if a person commits suicide during the first 2 years of the policy, death proceeds will not be paid out. Instead, all premiums that been paid will be refunded.\n\nSo, if the person commits suicide after first 2 years, death benefit will be paid out.
889283
They are two different things, entirely.  The life insurance will cut a check to whoever the listed beneficiary is, at the time of your death.  The will cannot change the life insurance contract.  So you can't change a beneficiary of a policy, using your will.  \n\nYour will is for the distribution of your ASSETS.  A life insurance policy is NOT an asset.  The only way you can make your will distribute life insurance procedes, is if you make the beneficiary of your will, your estate.  Then the life insurance goes into your estate.  All the assets of your estate and your debts get added up, the assets pay off all your debts, and any assets or money left over after all your debts are paid, gets distributed as your will says. \n\nThe whole POINT of life insurance, is to leave money to someone, that can't be attached by your debts.   OK, that's not the only point, but it's the biggest one, IMO.
781716
Only if you can prove that the heart attack was work-related.  You will need a coroner's report or autopsy in most cases.  It will probably be a long, drawn-out legal battle but it will be worth it.  They will pay for his funeral too, but there might be a deductable.  I'm so sorry for your loss.
344372
Call the company that issued the policy.  They will send you a package with the company forms that need to be completed in order to get paid.\n\nYou will need:\n1. the policy\n2. the death certificate - ask the funeral home to provide.\n3. the insurance company forms.\n\nOnce complete, they will review and if straightforward, the insurance companies usually issue you a checkbook that is good up to the amount of the policy proceeds.  You can keep the money in this account and write checks when you need them or write one big check to yourself and deposit in your own accounts.
638779
Pay on Death - it will pay to your beneficiary.
649177
There's a lesson to be learn from here. To avoid your future family going through the same mess, get a will. Sorry to hear your mom pass away, but if she had a will, your family wouldn't be so frustrated on who should get what.\n\nIn life insurance, all the name beneficiaries on the policy are paid equal amounts. So there's really nothing to fight about on this topic.
261623
How can a payment of life insurance be retroactive?  Life insurance will pay one amount - either in a lump sum or spread out in installments - after the service member has died.  I'm thinking you are either not talking about SGLI, or you meant to use another word besides "retroactive."
789970
Typically, you need to be aware whether this person who dies leaves a will or not. Even if there are no immediate family memebers, people leave wills. If they die "as is", i.e. w/o a will, they die "intestate". Most likely, in such circustances, the local municipality/cour-appointed trustee will send the letter to the bank to release the info on assets of the deceased. The proceeds ( (if any)will then be distributed to pay-off state-sponsored funeral expenses/cremation...The left-overs will "go to the government coffers" -central banking units- until claims by rightful owners (that can sometimes materialize) can be made. There is a whole procedure for that - for the unclaimed bank deposits...It is regulated.