When a person purchases a life insurance policy, they generally will designate one or more beneficiaries to inherit the policy’s death benefit after they die.
Inheriting a life insurance death benefit can secure your financial wellbeing and possibly even change the course of your finances forever; however, you will not receive a life insurance payout automatically, so it is crucial you understand how to collect life insurance as a beneficiary.
When one or more life insurance beneficiaries are not whom the policyholder had intended to designate, contesting these life insurance beneficiaries would be an appropriate reaction.
As an example, the policyholder may have designated life insurance beneficiaries at a time when they were not mentally competent, or they may have designated the beneficiaries after being unduly influenced to do so.
What Is Life Insurance?
Many people purchase a life insurance policy as part of their end-of-life plan to help financially protect their loved ones after they pass away.
A life insurance policy generally requires the policyholder to make regular payments (called premiums) to the insurance provider in exchange for the provider supplying the loved ones they designate with a cash payout (called a life insurance death benefit) upon the policyholder’s death, as long as the policy is still active at that time.
It’s important to remember that the implications of life insurance after death can vary based on the type of life insurance that was purchased, the specific terms of the life insurance policy, the beneficiary’s relationship to the policyholder, the laws of the policyholder’s state and possibly even federal laws.
What Is a Beneficiary for Life Insurance?
The loved ones a policyholder designates to receive their life insurance death benefit are called life insurance beneficiaries.
Who can be a beneficiary of life insurance? There generally are no limitations when it comes to who can be designated as life insurance beneficiaries. The policyholder can select members of their family, non-relatives, organizations, or even their own estate or trust. Likewise, they can select multiple beneficiaries, and specify the amount or percentage of each beneficiary’s payout.
It is standard for policyholders to designate at least one primary beneficiary and one contingent beneficiary for life insurance. A primary beneficiary stands to inherit a life insurance death benefit if they’ve outlived the policyholder, can be located and accept the payment. On the other hand, a contingent beneficiary will only stand to inherit a life insurance death benefit if a primary beneficiary predeceases the policyholder, cannot be located or refuses their distribution.
Continue reading to learn the most common scenarios involving life insurance beneficiaries.
Life Insurance Beneficiary: Spouse
If you are the surviving spouse of a deceased life insurance policyholder, you may be wondering: Is the spouse automatically the beneficiary on life insurance?
The state in which the decedent had resided can influence life insurance beneficiary rules. Spouses who live in community property states, for example, generally are entitled to 50% of the proceeds from a life insurance death benefit, regardless of whether they are named as a beneficiary.
Why does life insurance automatically go to a spouse in such a scenario? It’s because any property (with some exceptions) acquired over the course of a marriage in a community property state, such as California, is regarded as belonging equally to both spouses. On the contrary, if the decedent purchased a life insurance policy prior to marriage using their separate assets, then they are entitled to dispose of 100% of it to whomever they wish.
Whether the policyholder purchased the policy independently or via their employer also can play a role in whether a spouse has a community property interest in a life insurance policy. This is due to the fact that most life insurance policies obtained through workplaces are governed by a federal law known as the Employee Retirement Income Security Act (ERISA), and this law supersedes state laws.
ERISA tends to prefer strictly adhering to policy documents, regardless of the circumstances. As an example, if a policyholder designates someone other than their spouse as the primary beneficiary of a life insurance policy that is governed by ERISA and that they purchased through their employer while married, it’s possible that beneficiary will receive the entire death benefit, even if California community property laws call for 50% of that policyholder’s life insurance death benefit to go to their surviving spouse.
Because life insurance beneficiary designations generally bypass the probate process, life insurance beneficiaries generally are permitted to claim the death benefit immediately following the policyholder’s death. As such, it’s crucial for surviving spouses to examine their deceased spouse’s life insurance policy as early as possible to ensure their community property rights are not being violated.
While many assume insurance companies are responsible for abiding by general beneficiary designation rules when paying out a death benefit, they are only beholden to the terms of the contract the policyholder signed. Therefore, insurers usually will pay whomever the policyholder designated as a beneficiary, even if the spouse is entitled to 50% of the payout.
If you’re the surviving spouse of a decedent who purchased a life insurance policy using community assets but failed to provide you with at least 50% of the death benefit, it is recommended you immediately get in touch with a probate lawyer to enforce your spousal rights.
Life Insurance Beneficiary: Divorced Spouse
On occasion, the designated beneficiary on a life insurance policy is the policyholder’s former spouse. If this is the situation, it is a good idea to learn about life insurance rules after divorce, as they run contrary to the rules for other types of beneficiary designations.
In California, when the divorced owner of a non-probate asset (e.g., a bank or retirement account) dies without having changed the beneficiary designation on the asset from their former spouse to another beneficiary, the designation is automatically revoked as a matter of law.
If no contingent beneficiary had been designated for the asset, the asset will transfer to the asset owner’s estate, where it either will be distributed in accordance with the terms of their will or in accordance with the laws of intestate succession (if there was no will).
Life insurance, however, is one of the only non-probate assets that is omitted from California’s policy of automatic revocation following divorce. This is because life insurance policies are governed by the terms of the contract the policyholder signed with the insurance company. When policyholders fail to update the beneficiary designation on life insurance after divorce, it’s assumed that they meant to leave the designation intact.
Of course, there are exceptions to this rule. For example, if a policyholder’s divorce or property settlement provided for them to have full ownership of their life insurance policy, their former spouse will not be allowed to inherit the death benefit, regardless of whether or not the policyholder changed the designation.
There are also other situations in which a beneficiary designation of a former spouse will not stand. For instance, the terms of an insurance contract may automatically void a beneficiary designation of a former spouse upon divorce. Likewise, the former spouse themselves may legally waive their right to a life insurance death benefit in favor of the policyholder’s loved ones inheriting it in their place.
Life Insurance Beneficiary: Minor
While there is nothing in the law to forbid a policyholder from designating a life insurance beneficiary under age 18, minors generally will not be permitted to access a life insurance death benefit until they reach the age of majority.
If a minor has been designated as a life insurance beneficiary, they simply will require an adult (called a custodian), such as a parent or legal guardian, to manage their inheritance until it can be released to them.
It’s important to note that a surviving parent is not automatically considered the custodian of a minor’s life insurance death benefit; it is up to the policyholder to appoint who will serve as custodian. To do this, they generally will notify the insurance company that they would like to appoint a custodian and establish an account under the Uniform Transfers to Minors Act (UTMA).
If no custodian had been appointed by the policyholder before their death, the minor may not be able to access their inheritance until they reach the age of majority. Another possibility is that the court will appoint a custodian.
Custodians generally have the right to invest minors’ inheritances and make withdrawals of funds for eligible expenses, such as the minor’s education and health care. They, however, are regarded as fiduciaries, which means that they must always prioritize minors’ best interests and thoroughly account for any funds that enter or leave the trust account.
If a custodian uses any portion of a minor’s death benefit on themselves or for purposes unrelated to the minor, it is regarded as fiduciary misconduct, an offense for which they not only could be removed as custodian, but also surcharged.
Life Insurance Beneficiary: Trust or Estate
One of the chief benefits of designating individual beneficiaries on a life insurance policy is that the death benefit can transfer directly to them upon the policyholder’s death. If an estate or trust is designated as a life insurance beneficiary, the death benefit will not only be inaccessible to beneficiaries for a period of time, but it could be reduced or eliminated as a result of the estate or trust potentially having to pay the decedent’s creditors, as well as probate fees or trust administration fees.
With that said, if an estate or trust is named as a beneficiary of a life insurance policy, or if an estate inherits a life insurance death benefit by default because the decedent had failed to designate a beneficiary, or because the designated beneficiary and contingent beneficiary predeceased the decedent, could not be located or refused their distributions, then the death benefit will have to be distributed either in accordance with the terms of the policyholder’s will or trust, or in accordance with the laws of intestate succession (if there are no estate planning documents).
No Beneficiary on Life Insurance
What happens to life insurance with no beneficiary? When a policyholder dies before designating a beneficiary, their death benefit will pass to their estate. The same holds true if the designated beneficiary on a life insurance policy predeceases the policyholder, cannot be located or refuses their payout, and there is no contingent beneficiary designated.
How to Claim Life Insurance After Death
If you know you are designated as a beneficiary of life insurance, you may be wondering: How is life insurance paid out to beneficiaries? It’s good you’re asking this question, because there are some steps you may have to take to receive your loved one’s life insurance death benefit.
In the following subsections, we go over the steps for claiming a policyholder’s life insurance death benefit. Note that while it is usually the life insurance beneficiary who will complete these steps, the executor or administrator of the policyholder’s estate may be able to assist with the process since they likely have access to the policyholder’s financial documents, as well as information about their assets.
Reach out to the life insurance company.
When a person purchases a life insurance policy, they generally will provide the people whom they’ve designated as beneficiaries basic information about their policy, such as the name and address of the insurance company, the value of the policy, and where to find documents related to the policy. This way, when the time comes for the beneficiaries to claim their life insurance death benefit, they can do so seamlessly.
Sometimes, however, the policyholder fails to provide this information to life insurance beneficiaries before they die, leaving beneficiaries without recourse for moving forward with the claims process. In many cases, they may not even know they’ve been named as beneficiaries.
If you believe you may be the beneficiary of a decedent’s life insurance policy, start by speaking to the people with whom the decedent was closest, such as their surviving spouse or adult children. Perhaps the insurance company was sending mail to the decedent’s home, which could provide clues about the insurance company that issued the policy.
As we previously mentioned, it’s also possible that the executor/administrator of the decedent’s estate or the trustee of their trust will have information about their life insurance company. If not, their former place of employment may have the information you’re looking for, since many people purchase life insurance plans through their workplaces.
The important thing to note is that there is no automatic process for life insurance companies finding out about policyholders’ deaths. Most of the time, insurance companies come across this information either by being notified by a policyholder’s family members and/or beneficiaries, or by searching the Social Security Administration’s death records.
Beneficiaries should not wait for the insurance company to reach out to them following a policyholder’s death, because if they do, they could be waiting a while. Instead, they should take proactive steps to obtain the decedent’s policy document. Without it, they will not have the information they need to start the claims process.
Determine how you’d like to be paid.
By this step, you should have information about both the decedent’s life insurance company and the life insurance policy itself. If you don’t, you potentially can find the information you’re seeking from the National Association of Insurance Commissioners. But keep in mind that not all decedents will have life insurance policies.
If you’ve confirmed the decedent does have a life insurance policy and that you’re one of its beneficiaries, then you have a few choices in regard to how you would like to receive the death benefit.
The most common payment options for life insurance death benefits are:
- Lump-sum payment: This option entails receiving the entire death benefit as a single payment.
- Specific income payout: This option entails the insurance company placing the death benefit in an interest-bearing account. Beneficiaries will receive regular payments of an amount they choose on a monthly or annual basis, but they should keep in mind that any payments they receive as a result of accrued interest will be taxable.
- Retained asset account: This option entails the insurance company temporarily placing the death benefit in an interest-bearing account. Beneficiaries generally select this option if they want additional time to consider their financial options. They have the ability to write checks against the account while it remains open.
- Fixed-period annuity: This option entails beneficiaries selecting a fixed time period for receiving the death benefit. For example, if they choose 10 years, they will receive 1/10 of the death benefit per year until it runs out. With this option, they will be able to designate beneficiaries to receive the remainder of the death benefit should they die before the annuity is fully paid out.
- Lifetime annuity: This entails the insurance company making guaranteed recurring payments to the beneficiary for the remainder of their life. The cumulative amount of the payout will be calculated according to the age of the beneficiary. If the account is still holding funds when the beneficiary dies, the funds will transfer back to the insurance company.
- Note that not all beneficiaries will have the option to decide how they would like to get paid. In some instances, the policyholder could have decided the manner of payout when purchasing the policy.
Gather necessary documentation.
If you do not have a copy of the decedent’s life insurance policy by this stage of the process, it may be difficult to move forward, because you likely will require the decedent’s personal information (i.e., their policy number, full name, address and social security number) to fill out the necessary forms.
To receive the policyholder’s life insurance benefit, you will need to send the insurance company the following two documents:
- A certified copy of the decedent’s death certificate: This document generally can be obtained from the decedent’s medical provider or funeral home, or from the county clerk’s office. The executor/administrator or trustee may have copies as well.
- A completed claim form: This form will require you to provide the life insurance policy number, and information about your relation to the policyholder, their cause of death, and how you would like to be paid. Most insurance companies make these forms available online.
Remember that if there are multiple life insurance beneficiaries, each beneficiary named will need to send the necessary documents to the insurance company in order to receive their portion of the payout.
There usually are no deadlines for completing the claims process; however, it is a good idea to confirm this with the insurance company if you plan to wait to send in the necessary documents. The insurance company likely will provide instructions as to how they would like forms to be delivered. Possibilities may include mailing them in, faxing them or submitting them via the company’s website.
Wait for the insurance company to approve or deny your claim.
After you submit the necessary forms to the life insurance company, there will not be much for you to do besides waiting for word from the insurer.
If the policyholder had made timely payments to the insurer and maintained the terms of their insurance contract, the insurer most likely will approve your claim, though keep in mind that it can take anywhere from one to two months for you to receive the death benefit.
There can be additional delays if the insurance company is missing information or if the forms are filled out incorrectly, or if the policyholder died during the life insurance contestability period (the first two years of owning the policy).
Depending on the terms of the insurance contract, delays or outright denials could occur if the policyholder’s cause of death was suicide, substance abuse or a perilous activity (e.g., skydiving), or if the policyholder died as a result of a preexisting condition that had not been disclosed to the insurer.
If your life insurance claim is wrongfully denied, you can raise your concerns directly with the insurance company to try to convince it to reverse its decision. If you are unsuccessful in doing so or would prefer to let a professional argue your case for you, a probate lawyer can help.
Receive death benefit.
If your life insurance claim is approved, you will receive the death benefit in accordance with how you stated you would like to be paid, or if the policyholder had made this decision when purchasing the policy, in accordance with their specifications.
The death benefit itself is not taxable to the beneficiary; however, if the beneficiary asked for a specific income payout or for the payout to be placed in a retained asset account, the interest accrued by the death benefit would be taxable.
Guide for Contesting a Life Insurance Beneficiary
Did a policyholder make last-minute changes to their life insurance beneficiaries before dying?
Did a policyholder make changes to life insurance beneficiaries at a time when they lacked mental capacity?
Did a policyholder fail to change life insurance beneficiaries after major life events, such as marriage, divorce or having/adopting a child?
If so, you may be wondering: Can a life insurance policy be contested? The good news is that there are valid reasons for bringing a life insurance beneficiary dispute, but your dispute generally will have to be filed with the probate court, not the insurer.
Who Can Contest a Life Insurance Beneficiary Designation?
If you believe wrongful means were used by a life insurance beneficiary to be designated, but you are not related to the policyholder, you may be wondering: Can a life insurance beneficiary be contested by anyone?
Technically speaking, anyone with information about why a beneficiary of life insurance is invalid can contest the beneficiary designation. With that said, contesting a life insurance beneficiary can be both expensive and time-consuming, so unless you represent the policyholder’s estate, or believe you are entitled to their death benefit, it likely won’t be worth your time or money to pursue a contest.
The most common parties to initiate life insurance beneficiary dispute are:
- The surviving spouse
- Adult children of the policyholder
- A contingent beneficiary on the policy
- The executor/administrator of the policyholder’s estate
- Estate beneficiaries or heirs
Those connected with a policyholder’s estate (e.g., beneficiaries and heirs) may benefit from contesting a life insurance beneficiary designation, because if it is overturned and there is no contingent beneficiary, the death benefit may pass to the estate.
A life insurance beneficiary can only be contested if the circumstances surrounding the designation meet certain criteria, which are the same criteria that must be met for other types of beneficiary designation contests (e.g., bank account beneficiaries, retirement account beneficiaries and annuity beneficiaries), and will and trust contests.
Grounds for contesting a life insurance beneficiary designation include:
- Undue influence or duress: The policyholder had been pressured or coerced into designating, changing or removing beneficiaries.
- Improper execution: The policyholder had intended to designate, change or remove beneficiaries, but failed to use the proper methods to do so.
- Fraud: Someone deliberately misled or deceived the policyholder to cause them to designate, change or remove beneficiaries.
- Lack of capacity: The policyholder designated, changed or removed beneficiaries at a time when they lacked the requisite capacity to do so (e.g., due to Alzheimer’s disease or old age).
- Mistake: The policyholder designated, changed or removed beneficiaries by mistake or were mistaken about the document they were signing, believing it to be something else.
- Forgery: Someone falsified the policyholder’s signature on insurance documents to designate, change or remove beneficiaries. A forged life insurance beneficiary change can also make the offending party liable to criminal claims.
As you may have noticed, a spouse’s community property rights having been violated is not mentioned as a valid ground for bringing a contest. As such, it is natural to wonder: Can a spouse contest a life insurance beneficiary?
As we mentioned previously, the terms of the policy, as well as whether the policy is governed by state or federal laws, can play a role in whether a surviving spouse is entitled to contest a life insurance beneficiary on the basis of community property rights.
If you plan to contest a life insurance beneficiary, it is crucial that your case meet one or more of the grounds mentioned above. If it doesn’t, it’s possible the court will refuse to hear your case. To start a life insurance beneficiary dispute, fill out a petition listing your reasons for bringing a dispute and file it with the probate court. Your chances of success will greatly improve if you hire a probate attorney to complete this step for you.
Keep in mind that contesting a life insurance beneficiary can be an uphill battle, especially if the beneficiary in question has already claimed the death benefit. That’s not to say that it can’t be recovered; you just will need to prove that the beneficiary used unsavory means to be named. If you are successful, the beneficiary will be responsible for returning the death benefit so it can be distributed to the appropriate parties.
If you plan to contest a life insurance beneficiary, it is best to do so immediately following the policyholder’s death. In other words, you should bring your contest before the life insurance death benefit is paid out. If you wait until after it’s paid out, not only are you less likely to be successful, but your litigation costs could end up being much higher.
Because of the challenges involved with contesting a life insurance beneficiary, it is best to work with a probate lawyer during the process. Your lawyer can gather evidence to support your claim, as well as argue your case in court.
FAQs About Life Insurance Beneficiary Designations
If you’ve read through our comprehensive guide on how to collect life insurance as a beneficiary, but you continue to have questions, you may find the answers you’re looking for in our FAQs. If you don’t, request a free consultation with a Keystone attorney to discuss the specifics of your case.
Can Medicaid take life insurance from a beneficiary?
If individual beneficiaries are designated on a decedent’s life insurance policy, Medicaid will not be able to take the death benefit from them, even if the decedent had owed the Medicaid program money. This is because insurers directly transfer life insurance death benefits to designated beneficiaries if their claims are approved.
On the other hand, if the designated beneficiary on a life insurance policy is the decedent’s estate, or if the designated beneficiaries on a life insurance policy are successfully contested, then Medi-Cal estate recovery of the policyholder’s life insurance death benefit may be possible.
Can a life insurance beneficiary be changed after death?
If you believe you are entitled to a life insurance inheritance, but someone else is designated as a beneficiary on the policy, you likely are wondering: Who can change the beneficiary on a life insurance policy?
Unfortunately, there are no circumstances under which a life insurance beneficiary can be changed after the death of the policyholder, which is why policyholders are encouraged not only to select their beneficiaries carefully, but also to regularly review them, and if necessary, update them as their life circumstances change (e.g., they get married or have children).
If a policyholder is alive, and the beneficiary designation is revocable, they have a right to change, add and remove life insurance beneficiaries as often as they’d like, but they should be careful when doing so, particularly if they’re married, because their spouse may have a right to 50% of the death benefit if community assets were used to purchase the policy. They also should be mindful about complying with the provisions of the policy when making changes to beneficiaries. For example, a policy may call for the policyholder to have two witnesses present when making changes to beneficiaries.
For a change of beneficiary to be effectuated, an insurer may require for the forms to arrive at its office prior to the policyholder’s death. If it does not arrive by this time, the insurer may provide the death benefit to the original designated beneficiary.
I am beneficiary of a life insurance policy, but the designation is being contested. What can I do?
If you are designated as a beneficiary of a life insurance policy, and someone is challenging your right to the death benefit or seeking to recoup the death benefit you already received, it is crucial that you hire a probate attorney to not only protect your life insurance inheritance, but also to argue on your behalf in court as to why you are the rightful life insurance beneficiary.
Failing to obtain legal representation in a life insurance beneficiary dispute could result in you losing your inheritance, or worse, having to pay damages and/or the opposing party’s attorney fees and costs, particularly if it is proven that you used unjust tactics to be named as a beneficiary.
If a life insurance policy has an irrevocable beneficiary designation, can it be contested?
Yes, irrevocable life insurance beneficiary designations can be contested if one or more of the grounds for contesting a beneficiary designation are met.
The irrevocable nature of a beneficiary designation is more relevant while the policyholder is alive, because once an irrevocable beneficiary designation is made, the beneficiary in question will have to sign off on any changes the policyholder makes to the designation. If they disapprove of the change, the designation will have to remain intact.
Can the IRS take life insurance from a beneficiary?
The answer to this question is a bit complicated, as it depends on whether it is the policyholder or the beneficiary who owes taxes.
If the policyholder owed taxes to the IRS when they died, the IRS is not permitted to take their life insurance beneficiary’s death benefit to fulfill this obligation, though the IRS can take assets from the policyholder’s estate. This means that if the designated life insurance beneficiary is a policyholder’s estate, the IRS would be permitted to seize the death benefit from the estate.
On the other hand, if the designated life insurance beneficiary is an individual, the only circumstance under which the IRS can take the death benefit from them is if that individual owes taxes to the IRS.
These life insurance beneficiary rules shed light on why it is rarely, if ever, recommended for a life insurance policyholder to designate their estate as a beneficiary.
Can a will change a life insurance beneficiary?
If you are wondering about the rights of life insurance beneficiary vs. will beneficiary in terms of which party would be given preference to receive a policyholder’s death benefit, you should know that preference almost always will be given to the life insurance beneficiary designation.
Even in instances where a policyholder’s will directly contradicts the terms of the insurance contract, the latter generally will supersede the former, unless the latter is successfully contested or the designated beneficiary cannot be located, has already died or refuses their payout.
Who gets life insurance if the beneficiary is deceased?
If the designated beneficiary on a life insurance policy is deceased, the contingent beneficiary (if one was designated) will have a right to submit a claim for the death benefit.
If the contingent beneficiary is also deceased, cannot be located or refuses their payout, the policyholder’s estate will be able to submit a claim for the death benefit.
Can child support take life insurance from a beneficiary?
Creditor claims generally cannot be made against a life insurance policyholder’s death benefit, and claims for child support are a type of creditor claim.
Many people take out a life insurance policy with the intent of the proceeds being able to help their surviving loved ones make ends meet in their absence. As such, if creditors were able to access life insurance death benefits to fulfill a decedent’s debts, most people likely would not purchase a life insurance policy in the first place.
Do beneficiaries of life insurance pay taxes?
As previously discussed, beneficiaries are only responsible for paying taxes on a life insurance death benefit if it increases in value after being placed in an interest-bearing account. When beneficiaries take a lump-sum life insurance payout, it is not taxed.
How do you split life insurance among beneficiaries?
If there are multiple beneficiaries designated on a life insurance policy, then the policyholder may have specified the exact amount or percentage they wanted each beneficiary to receive within the terms of their policy. For instance, if the policyholder died with a surviving spouse and two adult children, they may have provided for 50% of their death benefit to go to their surviving spouse, and 25% to go to each of their children.
In the event the policyholder did not specify the exact amount of each beneficiary’s life insurance inheritance, the insurer will divide the proceeds equally among the beneficiaries.
Can a power of attorney change a life insurance beneficiary?
Whether an agent under a power of attorney has a right to change a life insurance beneficiary depends on the type of power of attorney document the policyholder signed, as well as on the terms of the power of attorney.
A general power of attorney empowers the agent to act on behalf of a principal in both financial and legal matters, so they usually would have the authority to designate, change or remove a beneficiary on a life insurance policy.
In some instances, a limited power of attorney may also empower an agent to designate, change or remove a beneficiary on a life insurance policy, but only if the power of attorney document specifically provides the agent with the authority to do so.
While an agent technically can designate anyone as a beneficiary on the principal’s life insurance policy, their fiduciary duties require them to take only good-faith actions on behalf of the principal. This means that whomever the agent designates must serve the best interests of the principal. If they designate themselves as a beneficiary or someone other than whom the principal had wanted to be their beneficiary, then they risk having a power of attorney abuse claim brought against them.
Under no circumstance is an agent permitted to designate, change or remove beneficiaries on a life insurance policy after the principal’s death. Powers of attorney expire by default once the principal dies.
Need help contesting a life insurance beneficiary? Talk to us about your case.
Contesting a life insurance beneficiary is no easy feat, which is why you want a skilled team of probate attorneys supporting you throughout the process.
A life insurance death benefit can change the course of your finances forever, so if you believe you have a right to your loved one’s death benefit, don’t sit idly by as the wrong beneficiary takes it.
Let us help you secure your life insurance inheritance today. Call us to request a free consultation.
