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Thread: Dadís life insurance

  1. #1
    Forum Supporter ~Seraphim ~'s Avatar
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    Dadís life insurance

    My dad left me a tiny bit of life insurance money. There were 4 beneficiaries of the policy one being my dadís youngest sister. One of the questions to claim the policy is they asked if the policyholder had at one time smoked. Now of course my aunt put yes , but that my dad quit in the 1980ís which he did. So now of course we all have to put that .

    My dad did not die of lung related illness but from kidney failure. Would that disqualify his policy?

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    Platinum Member SarahLancaster's Avatar
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    That's a question for a lawyer.

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    Forum Supporter ~Seraphim ~'s Avatar
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    Originally Posted by SarahLancaster
    That's a question for a lawyer.
    I donít have a lawyer and I donít know my fatherís. He was severely paranoid due to mental illness and didnít tell anyone anything . Besides if I asked the lawyer it take up all the money heís even leaving me.

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    Platinum Member Wiseman2's Avatar
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    Too late now. Be honest and the insurance company will do whatever it does. Your aunt was correct filling it out truthfully. Fraud disqualifies people. Of course the insurance has access to whatever medical records they may need as well as the death certificate, which states the cause of death. Why worry about it?
    Originally Posted by ~Seraphim ~
    There were 4 beneficiaries of the policy one being my dadís youngest sister. Would that disqualify his policy?

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  6. #5
    Forum Supporter ~Seraphim ~'s Avatar
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    Originally Posted by Wiseman2
    Too late now. Be honest and the insurance company will do whatever it does. Your aunt was correct filling it out truthfully. Fraud disqualifies people. Of course the insurance has access to whatever medical records they may need as well as the death certificate, which states the cause of death. Why worry about it?
    My brother brought up he the point. But either way the amount of money whether I get it or not changes nothing. It is not a life changing amount.

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    Platinum Member Wiseman2's Avatar
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    Who is the executor? Do you have a copy of the policy and will? If he died intestate, you'll have to contact his next of kin. If he has a will, contact the executor, and if you don't have a copy of the policy and are sure you have a standing in it, contact the insurance company. You don't need an attorney.
    Originally Posted by ~Seraphim ~
    But either way the amount of money whether I get it or not changes nothing.

  8. #7
    Forum Supporter ~Seraphim ~'s Avatar
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    Originally Posted by Wiseman2
    Who is the executor? Do you have a copy of the policy and will? If he died intestate, you'll have to contact his next of kin. If he has a will, contact the executor, and if you don't have a copy of the policy and are sure you have a standing in it, contact the insurance company. You don't need an attorney.
    I was sent a letter as a beneficiary yes ; of course I have claim.

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    Forum Supporter ~Seraphim ~'s Avatar
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    I was also sent forms to fill out to claim my portion. His executor is his lawyer. I AM his next of kin I am his DAUGHTER.

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    Platinum Member melancholy123's Avatar
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    Many lawyers will talk to you for free for 30 mins. See if you can find one and ask your questions.

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    Platinum Member Wiseman2's Avatar
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    So why worry. He has a will and a lawyer. If you have questions ask his lawyer
    Originally Posted by ~Seraphim ~
    I was also sent forms to fill out to claim my portion. His executor is his lawyer.

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