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Not if the ex-wife has any insurable interest in the ex spouse. If you could prove that the ex no longer had any insurable interest, and did not pay toward the policy itself, then it might be possible to challenge it in court. It would be a very difficult case to win in any case, because the owner of the policy had the ability for years to change the beneficiary of the policy and did not exercise the option, and it is impossible to know what their wishes were.

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Q: Is there a recourse for a wife of 23 years to claim a life insurance policy that has the ex wife as the beneficiary?
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If you are the beneficiary listed on an insurance policy how can a person or persons not listed on the policy contest the claim if a change of benefit form was requested but never submitted?

Legally and contractually the named beneficiary is the beneficiary.


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If the wife is not named as a beneficiary then she would have no claim on the policy proceeds.


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The proceeds belong to the estate of the beneficiary.


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