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JGM, Solicitor
Category: Law
Satisfied Customers: 12179
Experience:  30 years as a practising solicitor.
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my husband passed away last month, he had been paying 10.00

Customer Question

my husband passed away last month, he had been paying 10.00 month for life insurance for himself and a previous partner who he never married, he had forgotten. what the payment was for and we never got round to investigating. The policy started about 15 years ago, in both their names, do I have any claim on this policy?
Submitted: 4 years ago.
Category: Law
Expert:  JGM replied 4 years ago.
Thank you for your question.

It is likely that the assured under the policy is his previous partner. Joint policies normally pay out on the death of one of the assured so the policy document would have to be checked, but that is the most likely scenario if the insurance company are inviting a claim at this stage.

Happy to discuss further.

Please leave a positive response so that I am credited for my time.
Customer: replied 4 years ago.

The policy was in both their names. I need to know how I stand

Expert:  JGM replied 4 years ago.
To answer that you need to know what the policy says. I said in my answer that the most likely scenario is that the policy would pay out to the survivor of the two names on the policy, ie, to his ex partner.

However, the policy could also provide that it pays out to another named person or to his estate or it could be a policy which only pays out on the second death. That is why the only way to know precisely how you stand is to know what the policy actually says.