Can I choose a third person as my life insurance beneficiary

Posted: Thu May 26, 2011 10:34 pm Post Subject:

Again, good feedback.

My problem is that the state of CA seems much more concerned with getting the money into their coffers than having MetLife pay beneficiaries.

if an insurance company knows that somebody dies, but has not received a death claim, are they under an obligation to search for the beneficiary?

If they have no knowlege of death, do they have the responsiblity to search to see if a death has occurred? I think that they neither have a legal or moral obligation in this case.

From a contractual point of view, doesn't the payment of a death claim start with the beneficiary filing a claim? Is the insurance company SUPPOSED to search for people to pay?

Is the insurance company SUPPOSED to search for people to pay?

Prediction: There will be no finding of wrong doing and MetLife will not admit to wrong doing, but they will pay a large some of money to CA. CA will be happy. MetLife will be happy. Beneficiaries won't benefit.

Posted: Fri May 27, 2011 01:04 pm Post Subject:

Mark, our disagreements on this subject are probably close to nil and probably only exist because I do not have full facts. I was under the (mistaken?) impression that letting policies lapse on dead people was only a small part of this. If Met is guilt y of that, they deserve to be treated harshly.

Posted: Fri May 27, 2011 04:48 pm Post Subject:

I completely understand your position on this matter. Unfortunately, the public is not entitled to any more information than what is contained in the press release.

I've already spent quite a bit of time "breaking this down" for both policyholders and legal counsel. Here it is in a nutshell:

Several insurance companies, including but not limited to Metlife, have been accused of failing to distribute the life insurance and annuity benefits of deceased policyholders in accordance with policy and State law.

In these cases (around 23 or so that I may or may not have knowledge of) the company knew - beyond a shadow of a doubt - a policy holder had passed away. In fact, in several of these cases, they had been informed by the children (or other family members) of the insured, but took no action because they were not the owners of the policy(ies).

I understand that it can be argued that it was not the company's responsibility to initiate action based on this information. However, with this, or any other type of notice given to an insurance company, the statute of limitations clock is activated.

At this point, a company is required by law to exercise a reasonable effort to determine if the information is accurate - and they have all the information they need to do so. If the information is accurate (whether a claim has been submitted or not) they are required to freeze the account and values within the policy.

If, after a period of time, a claim has still not been filed, they are required by law to report and/or distribute to the State's Unclaimed Property Dept.

Companies have instead, been accused of failing to follow up on reports of deceased policy holders, continuing to draw premiums from accounts - which were supposed to have been frozen, and allowing the policies to lapse prior to notifying the State.

At this point, I have no idea how many of these cases are in CA or, for that matter, the rest of the nation but expect the number to be fairly large.

Posted: Sat May 28, 2011 02:36 am Post Subject:

My son, Airman 1st Class in the USAF, died in a car accident on May 3, 2011 while at home in Missouri for his grandfathers death. He was married on Feb 10, 2011. He had spoke to me and his brother just a few days before the car accident about his SGLI benefits and said when he enlisted he named me his mother beneficiery, I didn't really discuss this to much cause I told him nothing was going to happen to him, anyway his so called wife lived with him for a total of 11 days at his duty station in Florida, it is at this time I believe she changed his SGLI benefits on his computer into her name. I've looked at the website and it is pretty simple process to do. Her mother and her were on the phone filing for benefits from the SGLI and car insurance company by 7am on the 3rd of May and he died at 1am on the morning of the 3rd of May. I don't know how they had all the info and was able to file and settle so fast, besides that was the furthest thing from his father and I minds, we were preparing to bury our oldest son. I contacted the insurance companies in recent days which will not even speak to me about any of it, I am his mother. What do I do? This was my son, and my rights as a parent doesn't seem to matter, pleaselet me know what i can do to gain access to the info so i can see when it was changed because I believe she changed everything without his knowledge of it. Sincerely, Christian's mother and hope for justice.

Posted: Sat May 28, 2011 05:44 pm Post Subject:

Hello Christian's Mother: Let me begin by offering my most sincere condolences on the loss of your son. What an incredibly tragic experience.

I'm going to break down your post and answer it in sections. I trust you'll get posts from others as well. I too spent some time in the USAF and still have my USGLI coverage.

My son, Airman 1st Class in the USAF, died in a car accident on May 3, 2011 while at home in Missouri for his grandfather’s death. He was married on Feb 10, 2011.

He had spoke to me and his brother just a few days before the car accident about his SGLI benefits and said when he enlisted he named me his mother beneficiary,

anyway his so called wife lived with him for a total of 11 days at his duty station in Florida,

it is at this time I believe she changed his SGLI benefits on his computer into her name. I've looked at the website and it is pretty simple process to do

Her mother and her were on the phone filing for benefits from the SGLI and car insurance company by 7am on the 3rd of May and he died at 1am on the morning of the 3rd of May.

I contacted the insurance companies in recent days which will not even speak to me about any of it

Posted: Fri Apr 05, 2013 07:37 pm Post Subject: wrong payout after death

How can MetLife refuse to correct a mistake after they receive the correct beneficiary information?

Posted: Mon Apr 08, 2013 01:52 am Post Subject:

What's the mistake?

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Posted: Wed May 29, 2019 04:08 pm Post Subject: