My father`s sister claimed his life insurance policy. Now wh
by Guest » Wed Sep 05, 2012 07:23 pm
It was to be paid to next of kin,is your adult child or sibling next of kin?
Total Comments: 3
Posted: Fri Sep 07, 2012 12:38 pm Post Subject:
It was to be paid to next of kin
This is an odd thing to state. Are you saying that someone gave instructions to the insurance company that their beneficiary was "my next of kin" ??
And how does someone simply "claim his life insurance policy"?
Insurance companies are not usually stupid, and they just don't pay money to the first person who asks for it.
If this truly is a matter of law -- that someone must decide who the "next of kin" is -- the answer will be found in the state's Probate Code. Most probate laws start the discussion vertically, by looking down -- which makes children of the decedent #1 in line. If there are no children, the law looks up to parents (and/or grandparents [who are less likely to exist, by reason of age]). If there is no one to be found vertically (down or up), then the law looks left and right to brothers and sisters, and to the children of brothers and sisters if the siblings are deceased. Beyond that, the discussion can turn to aunts and uncles, cousins, nieces and nephews.
But it generally starts with the vertical look.
Posted: Thu Dec 20, 2012 04:59 pm Post Subject: insurance claim
my father lived with me until he died a few months ago,however when i sent in the certification of death the insurance company paid the money to my younger sister who had no ties with me or my father for years,after contacting the insurance company they refused to comment and said "if your not happy contact the insurance ombudsman" this couldnt care less attitude from insurance employees was totally shocking to say the least.
Posted: Thu Dec 20, 2012 06:20 pm Post Subject:
when i sent in the certification of death the insurance company paid the money to my younger sister
Evidently this is the person who was named as the beneficiary. You have every right to be mad . . . not at the insurance company, but at your father. He was responsible for naming the beneficiary, and maybe this was his way of making amends for something of which he could not speak.
That doesn't excuse the insurance company if it acted rudely toward you, but I think you may have simply been upset at the fact that you didn't get the life insurance money and your attitude is clouding your objectivity.
Posted: Fri Sep 07, 2012 12:38 pm Post Subject:
It was to be paid to next of kin
This is an odd thing to state. Are you saying that someone gave instructions to the insurance company that their beneficiary was "my next of kin" ??
And how does someone simply "claim his life insurance policy"?
Insurance companies are not usually stupid, and they just don't pay money to the first person who asks for it.
If this truly is a matter of law -- that someone must decide who the "next of kin" is -- the answer will be found in the state's Probate Code. Most probate laws start the discussion vertically, by looking down -- which makes children of the decedent #1 in line. If there are no children, the law looks up to parents (and/or grandparents [who are less likely to exist, by reason of age]). If there is no one to be found vertically (down or up), then the law looks left and right to brothers and sisters, and to the children of brothers and sisters if the siblings are deceased. Beyond that, the discussion can turn to aunts and uncles, cousins, nieces and nephews.
But it generally starts with the vertical look.
Posted: Thu Dec 20, 2012 04:59 pm Post Subject: insurance claim
my father lived with me until he died a few months ago,however when i sent in the certification of death the insurance company paid the money to my younger sister who had no ties with me or my father for years,after contacting the insurance company they refused to comment and said "if your not happy contact the insurance ombudsman" this couldnt care less attitude from insurance employees was totally shocking to say the least.
Posted: Thu Dec 20, 2012 06:20 pm Post Subject:
when i sent in the certification of death the insurance company paid the money to my younger sister
Evidently this is the person who was named as the beneficiary. You have every right to be mad . . . not at the insurance company, but at your father. He was responsible for naming the beneficiary, and maybe this was his way of making amends for something of which he could not speak.
That doesn't excuse the insurance company if it acted rudely toward you, but I think you may have simply been upset at the fact that you didn't get the life insurance money and your attitude is clouding your objectivity.
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