How to claim a life insurance policy?

Question

my husband has passed and the beneficiary part of the insurance was left blank, being that I am his wife would it automatically go to me?because the insurance company is giving me the run around..any advice could be helpful and thank you all for your thoughts.

Answer 1

If the beneficiary is left blank you should be entitled as closest heir to the money.  You would need to contact the company that issued the policy.  You will most likely need a copy of the death certificate and a form that the company will send out filled out and sent back.  If he worked with an agent contact him or her,  they will get the process moving quicker for you.  Then you need to wait a while for the check to be delivered.  I am sorry to hear about your loss.  Hope this will help you get moving forward.  Good Luck

Answer 2

I'm sorry for your loss.  I know how hard it is for you.  

Yes, you are the next of kin so you are the automatic beneficiary but you will also be responsible for all the debts he left behind.  Creditors have a way of finding out if you were able to claim insurance.  And they will go after you.  Just comply with the requirements of the insurance company and you will be ready.

To help you with more information, please go to this site:

www.surelyinsured.com

Answer 3

most likely without a beneficary named default to the estate

Answer 4

You would be foolish not to contact a lawyer as soon as possible. Insurance companies will jerk you around for as long as they can. Call the local bar association and tell them you want a cheap consultation with an attorney who is well versed in local insurance law.  It varies from state to state.

Answer 5

I'm extremely surprised the insurance company didn't catch it and insist it be filled out completely.  For the most part they won't allow it to be filed with any blank spots.  But if they did, to answer your question, no, it wouldn't go to you automatically.

It would be considered an asset of the estate, and be under the control of the executor of the estate, who would make decisions as to how it would be distributed according to a will if there is one, or state law if there isn't.

Answer 6

That may differ from state to state.  Your best bet is to contact the Department of Insurance in the state that you live in.  I am so sorry for your loss.

Answer 7

Um, that's pretty much impossible to do.  An insurance company wouldn't accept an application with a blank beneficiary section.

But, it doesn't automatically go to you.  It would go to his estate, and the executor of his estate would have to use it to pay off all his expenses and debts, before any of it could be distributed to his heirs, however his will said.