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== == Ask to see the change of beneficiary forms. Verify signatures.

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โˆ™ 2009-03-17 21:14:34
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Q: What happens when the insurance company says one person is the beneficiary and after the paperwork is sent for the deceased they say someone else is the beneficiary?
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How does life insurance pay beneficiaries?

The insurance company must be notified of the insured's death, preferably by a beneficiary, policy owner, or an insurance agent, at which point it will send out packages of paperwork to all beneficiaries on file for that insurance policy. The paperwork is filled out by each beneficiary and returned to the insurance company, along with a certified copy of a death certificate, at which time the insurance company processes the paperwork, verfies the eligibility of the claim, and then, if appropriate, pays out the proceeds of the insurance policy.

What happens if the beneficiary of a life insurance policy is deceased and there is no will?

In case of death of the policy holder, with beneficiary already deceased and there is no will, the Insurance Company will pay only to the Legal Heir of the Policy Holder. The death claim will be kept in abeyance till the legal heir proves his legal identity to the satisfaction of the Insurance Company.

Who do you contact to change your beneficiary on your life insurance?

You can contact the life insurance company. They should be able to send you the necessary paperwork to change the beneficiary. If you have an agent, they should be able to help assist in the process too.

What if the beneficiary of a life insurance is deceased?

When a life insurance policy is purchased, the purchaser (usually the insured) designates a primary beneficiary and a contingent beneficiary. The contingent beneficiary gets the proceeds if the primary beneficiary predeceases the insured. The insured can name a new primary beneficiary by contacting the insurance company or the insurance agent. THIS IS ONLY TRUE FOR PURCHASED LIFE POLICIES___ NOT POLICIES THROUGH AN EMPLOYER UNDER ERISA.

Your stepmother did not change beneficiary on life insurance to your dad but your dad is deceased who gets the life insurance?

The person named as the beneficiary on the policy, or on file within the records of the insurance company. James V. Medici, CLU,CLTC Charlotte, NC

Can the beneficiary see a copy of the life insurance policy of a deceased parent?

Contact the insurance company for information on how to make your claim and ask if they can supply a copy of the policy.

Does a will have any effect on a life ins policy?

No, it does not. Life Insurance is a contract between the deceased and the insurance company. Unless the estate has been listed as the beneficiary, the will has no affect on the policy.

Can a 50 percent life insurance beneficiary be forced to pay 50 percent of the funeral costs?

There is no requirement that they do so. The life insurance is a contract between the deceased and the company.

May the policyowner change the beneficiary after the death of the insured?

Assuming you are talking about Life Insurance the answer is no. Once the insured is deceased, this will trigger the insurance company to pay the benefits to the beneficiary, and the policy will no longer exist. The owner no longer owns anything.

How do you add a spouse to your life insurance?

Your spouse can get a separate policy (usually cheaper) or you can contact your insurance company to get the right paperwork for adding your spouse. Adding your spouse as a beneficiary, your agent can help.

Is there any way to find out the date a beneficiary was named on a life insurance policy in a case where undue influence is suspected?

Yes, when the beneficiary was changed the insured would have received paperwork. Find it or if you are a party to the policy than you can call the insurance company and ask.

Does an insurance policy supersede a will in nc?

An insurance policy and a will are two separate things. The policy is a contract between the insured and the insurance company. The beneficiary of the insurance policy is spelled out in the contract. The insurance company will pay the insurance proceeds to whoever is listed to receive the proceeds. The proceeds from an insuranc policy can be paid into the estate of the deceased and disbursed according to the terms of the will. The issue is who is listed as being the beneficiary of the insurance policy.

Will the insurance company pay the beneficiary if the beneficiary kills the insured?

Not if they found out.

How do you go about changing the beneficiary?

If you are the owner of the policy all you need to do is contact the agent or the insurance company and express your intent. They will send out the appropriate paperwork for you to fill out and sign.

How Life insurance claim process does works?

Insured person dies. You (beneficiary) call insurance company and place a claim, they send you paperwork, you fill paperwork out and mail back with death certificate, Claim is paid in a few days to a few short weeks.

Can I have the payout on my recently deceased husbands life insurance policy go directly to our adult children who are the secondary beneficiaries instead of to me who is the primary beneficiary?

Yes, you can decline the benefit. Speak to the insurance company about how.

How do insurance companies know of your death?

A family member or the agent needs to inform the insurance company if a beneficiary deceased; They will mail a claim package to the insured family, and a copy of the death certificate will be required.

If the beneficiary of a life insurance died before the policy holder do you need a copy of the beneficiary death certificate?

Yes. If there is a contingent beneficiary, the insurance company will need proof that the primary predeceased the principal in order to pay the contingent beneficiary. If there was no contingent beneficiary named the insurance company will pay the proceeds to the principal's estate.

What does beneficiary mean for health insurance?

Some health insurance plans offer a AD&D Life Insurance Policy. That is why you would name a beneficiary for a health insurance company.

You want to change the beneficiary on your life insurance policy you just got divorced pruco life insurance?

You can contact your old agent, your agents office or the customer service department of your life insurance company and they will send you the appropriate benficiary change paperwork as long as you are the owner.

What is needed to do to change a beneficiary on a life insurance policy if they have passed away?

Contact the insurance company and request a change of beneficiary form. They will mail the form to the policy owner. You fill it out and mail it back to the insurance company so they can update your life insurance policy.

How soon does beneficiary get paid from a life insurance company?

The beneficiary may usually be paid within 10-21 days after the insurance company has determined there is no fraud and the insurance payment is due as per the terms and conditions of the life insurance policy, and all necessary paperwork is in to them. The life insurance company usually requires the death certificate when making your claim. Make sure to review the "How to Make a Claim" section of the life insurance policy and contact the insurance company regarding what is necessary and who to send all pertinent information to in order to make your claim. If the claim is not paid in a timely manner, contact the insurance company and your insurance agent to follow-up. Also, you may want to contact the Department of Insurance in your state if you do not receive the Life Insurance Proceeds.

Can your ex husband cash in on a life insurance policy on you after 35 years?

If he is showing as the beneficiary on your policy - yes. You can call the insurance company or your agent to change the beneficiary.

How long after death do you have to collect on a life insurance policy if the beneficiary can not be found?

You should contact the legal department of the insurance company and ask for its advice. The company may initiate a search for the beneficiary with the resources at its disposal.

Does a Will supersede A Life insurance beneficiary clause?

No, They are two separate legal documents with entirely different purposes. An insurance policy is a contract between the insured and the Insurance company. The insurance company is bound by the contract to pay the beneficiary designated by the insured policy owner. Life insurance proceeds are for the designated beneficiary. Heirs in a will are designated inheritance of estate by the will. A will is not a contract, it is a document of assignment.