How does a life insurance policy work if the insurer dies?
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4 Responses
1.31.2010
Best Answer – Chosen by Voters The insurer, is the insurance company.The way the life insurance works, is whoever is named beneficiary, gets the money. Just being his wife, does NOT give you any automatic claim to the money. ONLY the beneficiary gets the money.File the claim. The named beneficiary will receive the check.But, "James", I'm trying to think of which state allowed gay marriage two years ago, that your "husband" could have a policy.
1.31.2010
first of all, im sorry to see that mbrcatz is making fun of you!second.. i do not know if you are male or female, but..1) you need to find out who the beneficiary is because if you are the beneficiary it doesnt matter what your relation is to this man.. you will get nothing.2) if this was a domestic partnership or same sex marriage, you will need to check as well (assuming you are the listed beneficiary) to see if the policy allows for those types of pay outs.. i would assume that if you are in this type of relationship and ARE the listed beneficiary, then the insurance company pays out for same sex partnerships/marriages because they wouldnt have allowed for you to be listed in the first place.
1.31.2010
Life insurance has a beneficiary.If the policy names someone (even a trust or a company) as the person who gets the money, that's who it goes to. if there is a delay, the policy will pay interest.If the policy doesn't name someone, the money goes to the estate. If there is no will, the distribution is determined by state law.
1.31.2010
You will need to contact the life insurance company. They will tell you who the beneficiary is. If you are the sole beneficiary you will get it, if not it will go to whoever is elected or to multiple people if he had it spread out.