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blessedbaby12 | Insurance beneficiary? |
i have a friend who is recently deceased.on her insurance policy she had her mother listed as beneficiary but her mother is also deceased she has a sister who lived in the home with her is there any way that her sister would be able to collect the pay out |
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mbrcatz
|
When you list a beneficiary, you have the opportunity to list a contingent beneficiary. If she listed a person as the contingent beneficiary, then that person gets the payout.
If she didn't, then the estate of the mother gets the payout, and it gets distributed just like the rest of the assets in her will. If she didn't have a will, then it has to go through probate court, and will get assigned as per the state law - most likely to a spouse first, then children - sometimes between spouse and children. |
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ye
 |
Thee could be a lot of details involving her status as beneficiary on the insurance policy.
The sister needs to contact a lawyer and the insurance company to find out the specifics. |
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personalfinancedaily
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Depending on what state she lives in, the money will go to her next of kin. If she doesn't have children, then it might go to her father, and so on. Hopefully she had a will an appointed an executor who will carry out the duties of handling her estate affairs, including attempting to locate/contact her closest relatives. Otherwise, the insurance money becomes part of her general estate, taxes are paid on it, and the rest of the estate funds sit in probate until a suitable heir can be found, sometimes taking several years. What state did she pass in and was it the same state she was a legal resident of? |
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JNC
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this is life insurance... sister probably will not get any money. that's why it's important to review it every few years or if there's a life changing event. And to name 2nd or 3rd benificiaries. in this example if sister was secondary beneficiary, she would be able to collect if she is still alive. |
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deep5223
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Depending on state laws, if her funeral bill is not paid and it is a fairly small policy, the funeral home can file a claim and show a death certificate on the beneficiary and have the proceeds paid to them if assigned by the person responsible for the funeral bill. Generally the executor of her estate can collect if the benefiicary is deceased. It will be paid to someone, it is just a matter of the company decideing who should get the money. State laws will rule. |
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yidlmama
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In most cases it will go to the next of kin. If this friend of yours did not have any children...the insurance company will ask the sister to provide proof of death of the mother and she would be next in line for the payment!!
I am sorry for your loss! |
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