 Can insurance companies refuse coverage if they dispute who was the main driver on the policy ? |
| my wife was involved in an accident with a police car- it was their fault- 60 mph on the wrong side of the road- they made a claim for personal injury- our insurance company accepted liabilty then ... |
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 What do they test for when getting Life Insurance? |
| I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal?... |
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 WoULD WARANTEE CoVER ACCIDENTAL DAMAGE? |
| My daughter just bought her very first laptop. She is in Naval school, just graduated basic training. She was so proud of herself, able to buy it on her own, with her own money! She had an accident ... |
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 Can a travel insurance company get your medical records (history)from your doctor without your consent? |
| I had to cancel a holiday, and a insurance claim form was sent to me which in turn had to be given to my doctor to verify the diagnosis for not travelling so that i could claim back through the ... |
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 Individual health insurance? |
| These are my health issues I'm currently treated for and/or have perscribed meds. Moderately elevated blood pressure, osteo arthritis,fibromyalsia,and I take meds. for cholesterol and depression.... |
|
 Insurance claim need advice? |
| On the 11th March I was travelling and the airline lost my baggage. I was insured. The airline has asked me to send all details and the items lost plus their value. My question is do I claim my ... |
|
 Can an insurance company dictate how many hours you work a week? |
| My insurance company states that if I drop the insurance, I can work no more than 25 hours a week, can they do this?... |
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 Insurance for house which has been underpinned? |
| I am in the process of buying a property but according to the survey I got it will need underpinning on one corner. I have phoned lots of insurance companies up even specialist ones but if I do buy ... |
|
 State farm just sent me a check for $63.50. Whats this about? |
They say its a dividend check for a policy. Why did they send me this money. Is this a scam or should I just put it into savings somewhere...maybe an I bond or something?
I just cannot ... |
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 Can you carry a life insurance on someone with out their consent? |
A lady was telling me her father had life insurance on her and she felt uncomfortable about it.
I told her, "he has to have your permission to have life insurance on you"
Then I ... |
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 Policy loan from life insurance interest pay to insurance company! why? |
| Any one can tell me, loan money from life insurance policy cash value intrest collect from the lisurance company, the cash value is my own money, should I paid intrest back to myself? not to ... |
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 My health insurance..... told me i wasnt sick enough?? |
| so here's my story..... i needed to go to the emergency room the other night. it was about 12am. and you know where else are you going to go when you need medical attention right away. and know ... |
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robg300z | My mom recently passed and DID NOT name a beneficiary.? |
Her husband cannot be located, He has been gone about a year. Can the children collect as the next beneficiary. In fact Mom indicated in her will what she wanted the children to do with the insurance monies. She specifically named the policies in her will. |
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mbrcatz
 |
No, you can't "inherit" beneficiary status. You also can't direct insurance procedes via a will. You can't tell people what they're supposed to do with the money - once it's theirs, it's theirs.
She MUST have named a beneficiary when she first took the policy out, the insurance company won't accept an application without a beneficiary. If it's her husband, the money will sit there in limbo forever, until he is located or claims it.
But if they have pre-deceased her, and no contingency is named, the monies will go to her estate. They will then go to pay off all her debts, and anything left will then be distributed as part of her estate, according to her will. |
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jonesy634
 |
Sorry to hear about your loss. The death benefit will go to whoever the beneficiary is... if there is not a beneficiary named, it will go to your mother's estate. |
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exirsman
|
It goes to the named beneficiary (if living), then to the contingent beneficiary in the policy (if alive). Find her policy and look on the application copy, it should list the beneficiaries. The will has no effect on life insurance unless the proceeds go to the estate. Consult an attorney. |
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Jawahar
|
consult a lawyer. i think if you have any proof that you are the legal heir then you can claim |
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bud68
|
You say she specifically named the policies in her will? What, specifically, was stated about them? Normally if there is no living beneficiary names, the proceeds become part of her estate. |
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Shooperman
 |
Unfortunately, if no one is listed as beneficiary on the policy, the money will be paid from the life insurance company directly to the estate, where the executor will work with the court to determine who will get the money. In most states, the spouse would receive the proceeds so you may have to prove that her husband is missing in action and cannot be located (the court will verify that he truly cannot be found... and usually, if they have a social security number, they will be able to find him). Not to add salt to this wound... but life insurance proceeds normally are probate free and income tax free. Due to the fact that this money will now be paid directly to the estate instead of a named individual, the proceeds will also be subject to income tax. Sorry to be the bearer of bad news. |
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Big Poppa
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No beneficiary will automtically put it into the estate where her creditors get access to it. If there are minor children or a spouse they will receive special consideration. The executor of the estate will b able to use the money to maintain property left in the estate until probate has been comleted. Good luck. |
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Matt
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Actually she gave it all to me. Sorry no one told you. |
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