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CARAMEL | Can a love one to a peron on Death Row claim Life insurance on him/her?? |
Will the insurance company allow the loved one to claim benefits after the execution?? |
 |
 
Hadley
|
Yes. You may be able to collect on a life insurance policy if your loved one dies from execution or dies on Death Row.
First, however, you must already have the life insurance policy in effect prior to the date of the criminal activity of the insured.
Every life insurance policy has an Incontestable Clause that states the insurance company cannot contest the life insurance policy after a specific period of time has elapsed from the date the policy was purchased. This time period is usually two years.
After the contestability period, the policy cannot be contested, and they will pay out the death benefit to the beneficiary of the policy.
However, there may be other exclusions within the life insurance policy that deny coverage or pay-out of the death benefit based on certain situations - such as death due to war or death during a criminal activity.
To determine whether the policy would pay, review the exclusions of the life insurance policy your loved one has.
I hope that helps. |
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christopher s
 |
I doubt it, but you'd have to ask the insurance company. Life insurance is for the survivors of the death of the loved one from circumstances not of his choosing (accident, for instance) . Being on Death Row is a choice. A person chooses to commit a capital crime. I doubt you'll get any benefit that had its roots in a crime. |
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Da Judge
|
An insurance company isn't going to sell insurance on someone already on death row. However, if the policy is in force before the verdict, then the beneficiary will be paid, just as any other death. |
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nurse ratchet
|
Yes, if it has been over 2 years since the policy was written unless there is a specific exclusion for execution for a crime. Even suicide is covered after the policy has been issued for more than 2 years. |
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dumplingmuffin
|
they are not allowed life insurance of any sort |
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insuranceguytx
|
A person on death row cannot get a new life insurance policy for obvious reasons. If they had a life insurance policy before committing the crime, then check if the policy excludes death as a result of committing a crime (felony).
Even if there was a policy, the victims may lay claim on the life insurance proceeds.
If YOU owned the policy on the death row inmate, that may be a different story.
You should talk to a lawyer. |
|
E_E
 |
I don't think that it is possible. But you can check to see if the person has life insurance policy and then if they do, you should read it over.
Also you have to be on the policy as the beneficiary in order to claim the policy to begin with. If you are not on the policy then no you cannot claim anything regardless.
But the victoms can also claim the life insurance policy in court as restitution for the crime that was committed. |
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mbrcatz
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If a life insurance policy was put in force before the criminal conviction, then the policy dictates who is paid the benefits. Once there is a criminal conviction, then the person isn't insurable. |
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