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Pretty N PUnk | Can you take out life insurance policy on someone AFTER they've died?? |
One of my best friends passed away in July, I just learened that her husband (who is VERY obsessed with money),took out a policy right AFTER she passed away & collected more than $500,000. He claimed the insurance company knew she was already deceased & all he had to do was take out a policy on her & then send copies of all her medical records. He had a "new" girlfriend less than 9 weeks later living in the house he shared with my friend but I guess thats another story.... Does this not sound a little suspicious, how can you start a policy & get so much money on someone who's already gone?? |
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Doing the Right Thing
 |
I would call the state's department of banking and insurance and report an insurance fraud.
In this case, the insurance company, the insurance agent, and the person receiving the death claim should all be penalized. You cannot insured someone who is dead already.
Unless you are speculating on what happened here. If the life policy was bought before your best friend died, then no one is at fault here. It will be difficult for the life insurance company to take the death claim back since they should of done an investigation prior to paying the death claim. |
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Brian G
|
Legally, you can't insure something that doesn't exist. If he did actually start the policy after she died, he had to have the help of someone inside the company backdating the policy for him. If true, I'm sure the insurance company would be very interested in finding out they were scammed out of half a million dollars. |
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Doodlestuff
|
You can't. It is not possible. Therefore, he either lied or already had the policy in place. Consider calling the police because that may be information that they need or it may be a big nothing. At least you won't regret not following it up. Plenty of folk have been murdered for insurance money and they often don't do it just once (OK..maybe I HAVE watched too many episodes of Forensic Files). |
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Bob-O
 |
No you can't, it's illegal and would fall under the catagory of insurance fraud. Insurance companies hate having to pay out so your "friends" claim is highly suspect if not a flat out lie. |
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a2z_4me
 |
Well we take out life insurance on the living so she must of took out a death insurance on the dead.
Yes that is insurance fraud if she gets caught, it is jail time... |
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solutions4ca
 |
It is very suspicious, because now life insurance companies like to give the person they are insuring a physical, and with a dead body, I am sure they will find it hard to get a passing physical. |
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mbrcatz
 |
I think he's lying - you can't get life insurance in that amount without a blood/urine/saliva test from the life insurance company's rep - who comes to you, to take the samples in person. They have to show a picture id to verify who they are. The insured person ALSO needs to sign the application.
and, if the person died shortly after a policy was issued - like within six months or even a year, the insurance company is going to investigate VERY heavily, before paying out that much money. |
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Julie and Jason
|
Well, I think I'd be talking to an attorney, I never heard of such a thing. I think he is pulling your leg. |
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arhogfan
|
It is insurance fraud and I hope he doesn't spend all of the money too quickly. He must have either lied on the application or doctored the death certificate. The agent who sold the policy could have conspired but who knows. The company typically has 2 years after a policy is taken out to find fraud, but in this case probably even longer.
Saying that the insurance company knew about it is a way to try and cover up the story. No company would pay $500,000 that he could have taken out for as little as $ 500. |
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cwag
|
Interesting Question. This was tried during the depression of the 30's. The NY Ins Commissioner discovered this and later inacted some pretty tough Ins laws. Applicants were tombstones and babies. How would you have the disceased sign the application and take the physical exam unless there was stand-in and that's illegal.?
What you are describing is not possible and an attempt to defraud the Ins Co. Fines and prison terms are usually the results of this action. Good Luck |
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ricks
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Bottom line is he is lying. But is it to you, or to the insurance company? If its to you, its just simply in very poor taste. If its to the company, he will be moving into the barbed wire hotel for a while. So will the agent. In order for that to happen, the agent either had to be in on it, and back dated all the documents, or was completely fooled by someone posing as her. So would the Para-med examiners & the insurance company when they pulled an MIB record. Then, they would also have to falsify the death certificate.
Either he is commiting fraud in the highest level & has a few people in on it, or he just has a sick sense of humor with you.
There is no such thing as life insurance for a dead person! Just like you dont get car insurance after you have an accident. |
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dave_from_auburn
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This is obviously criminal fraud - report it to the District Attorney. |
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insuranceguytx
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Very likely, he committed insurance fraud. Do everyone a favor and report him to the DA and your state's Dept. of Insurance. |
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Mopar Muscle Gal
|
I dont see how.. its called "life insurance " for a reason
sounds like fraud, deception on the husbands part
which can result in criminal charges filed against him
turn him in the to the police or insurance policy people |
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rfcraigpc
 |
This is a program with which I am familiar. Can you provide any details concerning your friend? |
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