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dblbubble_08 | What is State Farm Universal Life Insurance Option 1? |
My brother passed away about 2 weeks ago and the other day he received a letter from State Farm telling him that his policy had started (about 20 days before he was killed). I think that it is Life Insurance (the kind that our mom would be able to get money from since he was killed), but my sister keeps saying that it is Life Insurance for the car. I don't really think it makes much since because he has 2 Insurance Policies (one for the car and this one). But, she said that this Policy that I am talking about means that if someone dies while they are in the car, they will get the money. Please help! |
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§ ☼ JLG ☼ §
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I'm sorry for your loss. State Farm's Universal Life is a life insurance policy - not having anything to do with the car. If he just took it out, he is in his 2 year contestability clause, which is the period which suicide and some things are excluded. What you need to do is contact his agent - inform them that he has passed away and they will open a claim on the life policy. It will then be investigated and determined if it is going to be covered. But, your mom may not be the one getting the money - whoever he named as beneficiary will get the money. Call his agent ASAP! |
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Financial JUSTICE
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You should contact State Farm immediately to make a death claim. But I believe the Universal Life Insurance that your brother has is a regular life insurance policy that covers death no matter how he dies. So I'm very certain that State Farm will pay the death claim to the beneficiary.
If he had life insurance to cover the car loan, he would of had a decreasing term insurance policy, not a universal life. |
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Richie Rich
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A Universal Life Insurance Policy pays upon death. The Option 1 means State Farm keeps the cash value that was building up for his use.
Since it was in force before your brothers death, they should pay. Assuming this was not a contestable event (suicide) that is. |
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gretchen
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Contact State Farm. They hold the policy, so they are the obvious ones to ask. |
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Michael M
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You either need to read the policies over to see what causes of death they payout on and what they will pay or you need to contact the agent that sold him the policies and get him to explain it to you. If he went through State Farm then he probably dealt with a local agent of some sort.
If he does have a universal life insurance policy then it will pay for any cause of death as long as it was inforce at the time of death. |
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