Life Insurance Lawyer Serving MN

Just like when the beneficiary has predeceased the policyholder and there are no contingent or secondary beneficiaries, the life insurance company will pay out to the policyholder’s estate.

Unfortunately, there is no master list of all persons holding life insurance. This means you will have to snoop around on your own. 

You can do this by searching the contents of your loved one’s safe-deposit box and desk drawers, and looking through your loved one’s recent mail for premium notices and through bank account statements for evidence of premium payments. You might also ask the deceased’s employer whether they had group life insurance through work.

If you wish! There is no law preventing you from sharing the life insurance death benefits with whomever you wish. It is common for a policyholder to name one child as a beneficiary and for that child to share with siblings.

A beneficiary designation change just before the death of the policyholder can and should be contested if you suspect the change was made fraudulently or under duress. This type of case is very difficult to prove, so be sure to contact an experienced life insurance beneficiary attorney for help.

Perhaps. It is possible to still get paid if the lapse was not the fault of the policyholder. 

If the life insurance company failed to send the policyholder the legally-required notices of lapse, the beneficiary may still get paid. For example, if the policyholder was eligible for disability waiver of premium and did not get it, the beneficiary may still get paid. If an employer failed to give the policyholder conversion papers or improperly administered the policy, the beneficiary may still get paid. If the life insurance company failed to send the legally-required notice of lapse, the beneficiary may still get paid.

Absolutely not! A beneficiary change after the date of the policyholder’s death is fraudulent. Contact an experienced life insurance beneficiary attorney immediately.

If a spouse or ex-spouse was the irrevocable beneficiary, or was the beneficiary pursuant to court order, they should contest the beneficiary designation.

Only the policyholder. If the beneficiary designation was changed by someone else, that is fraud. Contact our life insurance lawyers immediately.

Yes. The statute of limitations is 60 days if the policy was an employer-sponsored group life insurance policy. 

For all other life insurance, there is no time limit, however, the sooner you dispute a denied life insurance claim the better because we will have a better chance of collecting evidence that your claim should be paid.