why am I having such a hard time receving my deceased ex-husband’s insurance

My ex husband died in march 2017 and I had death insurance on him and I was the sole benefactor and the company I have the policy with keeps giving me the run around. I had no problem paying them each month all those years so I just want what I’m owed.

Asked on September 26, 2017 under Insurance Law, North Carolina


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

There is no reason why you should be having difficulty, if you are the named beneficiary and you have proven his death (e.g. provided the death certificate). You may wish to explain to them that if they do not pay you as per the policy, you will sue them for "breach of contract"--for violating their contractual obligation in regards to paying benefits (an insurance policy is a contract). Then, if the still don't pay, carry through and sue them: if you can prove in court the terms of the policy, that you are the beneficiary, and that your ex-husband passed away, you should get a court judgment (order) requiring them to pay you.

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