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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Beneficiary of life insurance policy is deceased. What happens to her benefit and what documentation will the insurance company (MetLife) need to process the claim?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Decedent Daughter had a whole life insurance policy in which she named her Mother as the beneficiary. Mother died 20 years prior to daughter’s death. Widowed Mother died intestate
and without probate-able assets, so no probate. Decedent Daughter was her mother’s only child.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Probate of intestate decedent Daughter’s estate has been opened. Her two children (Mother’s Grandson and Granddaughterr) are her heirs. Granddaughter is her administrator.
To whom would MetLife be willing to send the policy proceeds:<o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo6"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Estate of Mother? (groan, so I have to open a probate of Mother’s estate?)<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo6"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Estate of Daughter? (I can supply Mother’s death certificate, but how do I satisfy MetLife that decedent Daughter was
Mother’s only heir?)<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo6"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Grandson and Granddaughter jointly?<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo6"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Something else?<o:p></o:p></span></li></ul>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">And in what form will the insurance company want proof of facts? The policy is only $1100, taken out in 1960 to cover burial expenses.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif;color:#1F497D;mso-ligatures:none">Rod Harmon<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif;color:#1F497D;mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none">RODNEY T. HARMON</span></b><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Attorney at Law</span></b><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> P.O. Box 1066</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Bothell, WA 98041</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Tel: (425) 402-7800</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Fax: (425) 458-9096</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> <a href="http://www.rodharmon.com/">www.rodharmon.com</a></span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> <a href="mailto:rodharmon@msn.com">rodharmon@msn.com</a></span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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