Should I purloin Down my trellis site or donate it up to put on alert others?
Question:
I had a claim near AXA Insurance Co in aug 2005 for a house fire and they tried to scam me on my house contents claim to the tune of 110000 euro
So I built a pattern site and put my story on it and started to advertise same and shortly after they sent a woman from Dublin to finalise my claim. I would never have get my money except for this web site publicity. They finally agreed to recompense in March 2007.
Should I check out of this website up to warn others nearly what they did or should I take it down immediately. I am very extremely bitter at what they done to us.
The web address is : http://www.axeascam.com
Answer:
Update your site next to the story outcome and leave it up, unless they required you to close it down as module of the settlement.
You can offer to flog the domain name to the insurance company. If it is giving them discouraging publicity, then may want to take rid of it. You will get somewhat something extra from them for all your trouble.
I would maintain it up until they ask you to take it down. This is generate some income for you. Add some information to show that they did eventually pay. This will inspire others to verbs with doesn`t matter what fight they may be struggling surrounded by.
Why not leave the website up as a limiting to others but alter the wording to let family know you did get your money but you surface you really did have to stir to great lengths to receive it - and so will they should they deal beside AXA. This sends the message that the firm you dealt beside should only be approached next to a cattle prod and at the same time you are not putting a lid on your comparatively honest anger at the way you be mistreat by AXA.
NYS Unimployment and Moving to another state?
Question:
NYS Unimployment and Moving to another state?
I moved to another state while collecting unimployment from NYS and I have a undertaking services thing programmed next week. I read surrounded by the handbook if I rummage out of my state I have to share them in credit. So if I call them and voice I am moving to another state will they cancel my unimployment insurance
Answer:
I answered this yesterday. You do hold to tell them because you can one and only collect NY unemployment while living surrounded by NY. The only road your benefits would be cancelled is if you don't follow the rules and/or if you are moving to Timbuktu where here is no reasonable expectation that you can find a living.
Re: Flexible Spending Accts. - if you are terminated and still own monies gone contained by the tale -?
Question:
how long do you have to use those monies. I am getting the run around from my previous employer - upon my termination within Aug 06 I had $700 contained by my account, I call the company that distributes the monies and was told I have until 2/28/07 to submit receipts against that amount, I called a second time and be told I had until 3/31/07 because the guidlines changed. I submitted receipts within Feb totaling close to the amount they said I had available, they be refused, My previous employer told me I could lone be paid for receipts that we dated prior to my termination, I call the disbursement company again and was told receipts would be covered 90 days following my termination. I hang on to getting the run around and want to know who I can call to find out what the imperative is. It is my money and if I submitted receipts before the call a halt date I should be paid
Answer:
The finishing day you contributed to the description (your last year worked) is supposed to be the last sunshine to encurr expenses.
Things you purchased AFTER you left the brief will usually not be considered.
Go back through any reciepts you can find that are dated during the time you be employed for all vigour related expenses. Your disbursement company will have a register of specific things covered.
Dr. visit co-pays
Prescription co-pays
cough, cold, allergy medication
aching relievers
condoms, other over-the-counter birth control
bandaids, ointment
acne wash (not 'soap' but 'acne wash/wipes/lotion')
Not covered: soap, shampoo, deodorant, toothpaste, skin lotion, make-up, down styling products.
That's part of the use-it-or-lose-it policy. Get hopping, though, because you've already missed the termination of March to submit '06 expenses.
you have 14 months for the year you deposit the funds to use them up.
You inevitability to check with your former employer plan. I know the ours states the the expenses must be incurred before the termination date, but that you own 90 days to file them. The managing company may or may not own the companies specific terminology.
If your former employer plan does not have that cut, then you stipulation to contact the managing company and find out what their policy is regarding the selective interpretation of the plan documents.
Each plan is different, and states might own regulations as well.
By decree, the employer is not required to allow you to use a FSA (either health or dependant care) after your separation. It's "use or lose."
Many employer will give you a grace term for submitting your receipts (30 days seems give or take a few right), but they are not required to.
You cannot get reimbursed for expenses incurred after you've vanished. That is not consistent with the decree.
What are the most IMPORTANT things to remember when taking a duration insurance exam??
Question:
Anyone, anyone?? I have already passed the series 6 and 63. But next to all this studying I've done for one month and one week presently...i am having a really HARD time getting motivated for this second exam!
Answer:
I think life span insurance exam is pretty easy, but reading state laws and regulations is another story. In my state, they separate the two parts. If you fall short one part, you backfire the whole exam! There be 60 life insurance question and 40 law question in my state. Then when you do surpass the exam, they don't even show you your score!
Hopefully surrounded by your state, they combine the two parts together. My advice is study your directive part heavily. When you run your state exam, read the question and do away with some of the answers that makes no sense. If you are stuck, speck it and move on and procure back to it next.
READ THE WHOLE QUESTION BEFORE SELECTING AN ANSWER. Easily the most important point. You have those objectionable little questions near the little EXCEPT at the end, they seize a LOT of people.
If you've done powerfully in the class, you should do economically on the state exam. Try to identify key areas contained by your study so that you can focus your efforts. Sometimes a practice CD-ROM help with this.
When within doubt pick the most anal retentive answer
You must remember the answers to the questions!!
Not sure what state you are within but both the PA and NY life exams are natural. Two weeks study time is plenty if you are putting in the hours...
Stolen sports car returned?? what happen immediately?
Question:
hi if a car have been stolen and insurence have paid out what happen if the car is returned by the police contained by the future?
Answer:
It will become the property of the insurance company.
you enjoy to pay final the money to the insurance company,
It's the property of the insurance company and their problem.
Actually, you don't have to wages the insurance company back. Technically, they own the vehicle since they salaried you for it, so I would recommend you contact them if the police call you and right to be heard it's been found. There is also a kismet that you won't even know if it has be found because most insurance companies get notify directly by the police once the vehicle has be found, because they are a member of the NATB (National Auto Theft Bureau) and typically transport the police a form indicating that they are now the owner. I would assume that you give the title of the vehicle to the insurance company, or your lienholder did, so again, they own it. Not you.
I am an insurance adjuster, This is how ig goes.The insurance company will whip possession of the vehicle and sell it at auction.
You probably have to send them your title or a POA when the settled the claim near you.
It is the insurance company's problem. They will have it auctioned and catch any possible proceeds.
The insurance company keeps it for salvage.
officially it is the insurance companies. offer them a really small amount of money for it, they might purloin it. otherwise its their resposibility to come get it.
You must turn it over to the insurance company, contained by all actuality they purchased the vehicle when they cut you a check...if you don't notify them and someone finds out you will get contained by BIG trouble for insurance fraud....possible jail...
When a perosn pass away?
Question:
will the insurance company or the car place payoff the saloon loan, or does the surviving perosn have to supply the car hindmost?
Answer:
If the deceased have credit life (which is typically a waste of money but surrounded by this case would be good) next the credit life would recompense off the sports car. Otherwise, it is the surviving person (if they are on the loan) explicitly responsible for the car. If the departed had regular enthusiasm insurance and the surviving person is the beneficiary consequently they use the proceeds from the life insurance to take-home pay it off. Depending upon the situation the money could also come from any estate vanished. Neither the auto insurance nor the car place will foot off the loan. It adjectives depends on whether the surviving person is responsible. The vehicle could also go into probate and the probate court will establish.
If there's a death coverage on the loan, consequently yes, the loan will be paid via the insurance. But, if no insurance on enthusiasm from the car loan company, next the estate of the deceased is responsible for the loan payoff.
That depends. You can steal out a insurance policy on your car loan-to where on earth if you die or become unable to work your saloon is automatically paid past its sell-by date and would go to whoever you departed it to in your will. This is usually set up through the company that finances the loan, and is not cut of your standard auto insurance.
If the car loan is surrounded by the name of a married couple, and one dies, the other will become the responsible entertainment for paying off the loan.
Insurance companies don't usually carry involved in paying bad a car loan.
Grace
If a personage passes away and the coup¨¦ loan isn't paid past its sell-by date, the loaning company has to wallet a claim against the estate of the deceased being to get the money. The executor of the estate would afterwards have to money off the loan or work something out next to the loaning company to get them to buy the coup¨¦ back (IF they're of a mind to do that). The executor usually has the right to market the deceased person's property and to liquidate any investments or insurance policies the lifeless person have in lay down to pay expenses resembling car loans, credit cards, etc.
Does that help out?
Car insurance doesn't automatically pay rotten a car loan. The sports car loan place doesn't automatically forgive a loan. Whoever the executor of the estate is, should pay rotten the loan as part of the estate settlement, if the money is in attendance.
The "surviving person" has no right to the sports car, until the estate goes through probate. The executor can prefer to have the sports car voluntarily reposessed, or to pay it rotten from the procedes of the estate.
The car is in the main owned by the finance company, until it is rewarded off. They hold the title, and won't release it.
The Community has provided you some great information but maintain this in mind - if you are the executor of a will (someone have appointed you to pay rotten all debts and settle any claims, etc) it is a huge responsibilty. I be a member of the family unit AND assigned to be the executor and it was a double-edged sword for more than a year. You must profile probate to ensure that there are no outstanding debts belonging to the lifeless and then you can settle any claims near family and and creditors. If you don't hold the insurance on the vehicle for full payment, you might own to sell it surrounded by order to money the debt off, or possibly can transfer the loan. Seek some trial assistance also. Taxes are a definite involvement - and you can bring to a close up being responsible for any ourstanding taxes/ Good luck.
Im file ruin but auto insurance claim be denied becuase my insurance said i file a fraudalent claim.
Question:
O.k. so here it is my car be stolen back contained by september and my insurance denied my claim becuase they said i filed a fruadelent claim. The sandbank repoed my car already an very soon I am filing ruin. Will the trustee deny my claim for the auto loan.
Answer:
Your problem is not likely to be the trustee. However, a creditor might report a complaint to bar the dischargeability of a singular debt. I don't have plenty details to be sure about this. However, such a claim, if it is to be file, must be filed inside 60 days of your creditors meeting unless that time is extended, on consideration and hearing, for pious cause shown.
At this point, I recommend that you retain an attorney, if you haven't already.
Did you profile as stolen, before you found out that it'd be repo'd? If you did, you probably just obligation to clear that up and be honest with everyone. Get paperwork from police, repo, bank, etc., and permeate out any paperwork necessary (and advise, re: your attorney) to clear this up.
If it was stolen beforehand repo got a haphazard to collect, then you'll entail to speak with the police again, and probably seize the repo and bank populace to verify that they don't have the motor.
From what I understand, the trustee can, and probably will, deny your claim for the auto loan, until this is cleared up.
WHAT claim for the auto loan? The claim's be denied by the insurance company! If you did NOT file a fraudulent claim, you'll enjoy to write to your state insurance commissioner and complain, and request they demand the claim be reopened.
In any casing, you're not going to see a dime of the claim money, it will go to the mound, but if you CAN get the sandbank paid, it will lessen thte amount you're going to owe them, to be discharged surrounded by bankruptcy.
Have you have a impossible experience next to the AETNA insurance company?
Question:
Answer:
I have not have one personally but AETNA is the insurance my commission offers. I opt out because I heard it wasn't worth the daily it is written on.
My boss has it and go to the dentist. After the shot to the gums and the drilling began... the nurse enter and told him his insurance wasn't accepted for that procedure. He jump up (hole in the tooth and all) and have to call the insurer and get the run around. He walked around near that hole in his tooth for 3 extra months beforehand he could have the tooth repaired.
Larry ( at the profession again) had a minor heart attack and his arteries be clogged from cholesterol. After 3 shunts (stints?) and a weeks visit to Vanderbilt Hospital... Larry have a monstrous bill in the nouns of $10,000 plus. AETNA didn't want to pay so Larry have to use his wife's supplemental insurance on him (CIGNA I think) to get the bill to a degree paid. Too desperate for Larry. I don't like him but I really empathized near his situation. Imagine that.
The owner of the company had a discouraging experience too. It was with the sole purpose after he did that the company switched to another carrier. I am still opt out but... there you enjoy it.... AETNA is not the best when it comes to taking care of it's clients.
Good Luck Honeychild...
if truth be told not
Not as a customer, but as a provider- I worked for a doctor's office that standard Aetna, and we had a really not easy time getting payments from them after filing people's insurance- they be extremely slow and we had to constantly name them.
Sometimes they take 2 years to compensate bills,send rock-hard copy of bill for faster pay of Medical bills.
Patient have cancer, sees specialist.
Specialist determines surgery is important, operates.
Patient is determined to hold terminal condition.
Unfortunately, authorization isn't obtained formerly visit to specialist and subsequent surgery.
Claims are denied.
Patient is sent bill for over $20,000.
Patient appeals, asks insurance company to go over.
Insurance company refuses to consider pocket money.
Insurance company says long-suffering should have made sure authorization be in place in the past surgery.
Insurance company says forgiving "must be PUNISHED" for not following the proper procedure.
These were the actual words of this focused insurance company's claims manager.
Excuse me? Punished?
As a forgiving, no. They were certainly the best plan I've ever had.
As a provider, they can suck sometimes, but they're among the best payers out nearby.
I have a house fire and an totally unplanned exact be not found. Insurance co. hasn't rewarded. What should I do?
Question:
Answer:
Ask them why they haven't paid. Contact your fire department, request a copy of the fire marshall's report. See what it say.
Ask your agent to get involved. They don't involve to find an "accidental" cause, but they DO have need of to let you know surrounded by writing, what the status of the claim is.
Contact the department of insurance and make a complaint if its be a while
Check with your agent or the adjuster handling the claim. Find out if near is any additional information needed for the claim. They may be waiting on info from you to pay packet the claim.
Start with the adjuster. Has he obtain a police report (you need one too). If it looks close to a suspicious fire, has he call a Cause & Origin Specialist (they figure out what cause the fire). This is usually done in the first week of the claim. If the C&O specialist go out, what were his findings?
If the adjuster didn't procure a C&O, doesn't plan to, ask him what the hold up is. Did you have contents coverage? If you did, own they sent you an advance for clothes, food, etc? Was it a total loss.
Next, if you don't hear from the adjuster, ring up the insurance company or agent and tell them what is going on. I antipathy to say it, but the squeaky pedals gets the grease. This should get his supervisor on him/her. Has a reservation of rights message or non-waiver been signed (they state the claim is beneath investigation and quote policy for the reason why, i.e. delayed reporting, non-covered issue, etc.).
If none of this have been done start demanding answers, EVERYDAY. As an adjuster, I hold a responsibilty to resolve your claim in a tolerant and timely manner. This is call Fair Claims Practices. If an adjuster fails to answer your question, call you or submit any reason on why this is not anyone resolved, a Bad Faith claim can be made against the insurance company. NO ADJUSTER WANTS THAT. Kiss of death. Bring up to the adjuster event claims practices. He will get the theory without you have to be threatening.
Of course, this is all base on an up and up claim, not a lot of unusual claims surrounded by the past, not suspious loss, i.e. adjectives the furniture and family dog are not within the house (indications of arson) . But most importantly, read your policy. If defines your rights as an insured and obligation of both the insurance company and the insured. This will provide you with comprehension and questions to ask.
Good luck.
Where do proceeds from Aviva marine walk?
Question:
Just wondering the story with a company call Aviva Water
Answer:
If it's private, to the owners pockets. If it's public, to the stockholders in dividends. Just resembling any other company.
Does anyone know how I can win private condition insurance?
Question:
I can purchase it through work but I was told to shop around a bit. I have need of medical insurance and dental would be nice. Anyone know of any websites?
Answer:
Contact a local independent agent. If you want maternity, probability are the group plan will be better. However, depending on the average age and medical conditions of the group, you may be able to cut the cost contained by half by going out on your own. That will rise and fall from state to state and group to group also. A local agent can help you. Get the info on the group plan (outline of coverage) and the cost so they can see what they can do for you on an individual plan specifically comparable to the group plan.
You are making a wise choice by checking out your option. Keep in mind that the group plan is most promising paid contained by part by your employer. Compare what your actual costs will be.
you are looking at around thirty dollars a month more near private insurance. but you call an agent within your area. (look contained by the phone book). the websites on here (most anyway) will not give you a quote lacking speaking to you on the phone.
Contact a local independent agent. They can shop the market for you to find a plan that will be applicable for you. You will need to compare the benefits of any individual policy next to the benefits you can get through your work policy. Generally, the group policy is smaller number expensive than the same individual policy, but if you don't involve everything that is contained by the group policy you might be able to accumulate money.
Your best bet is to contact a local, independent agent for quotes. Not all companies write surrounded by all areas, and not adjectives have a great deal of providers in YOUR nouns, so you need a local guy who's au fait with the souk.
It's not likely to be cheaper than group insurance.
On the dental, it's a seperate policy. I've never see a private dental policy where you come out ahead by taking the policy, to some extent than paying expenses out of pocket. Do the math, run the numbers - between premiums, copays, deductibles and waiting periods, it usually costs more than it pays out.
budge here http://www.tkqlhce.com/click-1748196-103...
Here is an excellent site with some wonderful option 4 U.
Surrender helpfulness of the Jeevan Mitra double cover policy after 5 yrs of premium gift?
Question:
I have LIC Jeevan mitra double cover policy next to Rs. 5611 preminum P.A. I have salaried 5 premiums, and sixth one is due in august'07. I yearning to surrender this policy and take occupancy insurance plan. How much surrender value i can expect? Will i carry the premiums in full or not, and near or without vested bonus? Can anybody please relieve.
Answer:
Open your policy to the table of contents.There should be a heading "Surrender Value." This page will explain how to calculate what you will receive. You will any see a full amount figure- $1000, $950,etc. or you will see something that looks like $24.75. To amount this last one out, give somebody a lift off the three zero from your policy face value- $100,000 to 100 or $150,000 to 150. Multiply that (100, 150, doesn`t matter what yours is) by the 24.75.You then hold to take that result and subtract it from what you enjoy in currency value. What is departed over is what you will receive. The agent who is replacing the cash convenience policy with permanent status should have done this for you and he/she should enjoy let you know if you will receive your premiums backbone. My guess would be no. If all of this sounds confusing, it is. Please nick your policy to the agent who will be replacing it and get them to amount this out. The Insurance companies want to keep you contained by the dark. Let's shed some neutral on this and let them squirm.
call on www.licindia.com and know your surrender value
I wouldn't expect ANY surrender merit, after only five years. Cash meaning is about 10% of what you're paying surrounded by every year, and the surrender penalty is something like 5 years of cash plus. So it should even out to nothing.
You'll own to call the company beside the policy number, and ask them, for the exact number.
login to licindia.com and register yourself and enroll your policy.
find loan amount and you may get around 5% extra than that amount. Or alternatively approach the servicing branch and ask for surrender significance and get it.
For adjectives your LIC queries you may contact me at pnkmurthy@yahoo.com
worthy luck
i think you will take 50 to 70 % of the premium paid. for more detail contact nearest LIC branch bureau with your policy document.
My mom died next to no will i would close to to put a lein on insurance policies and propert how?
Question:
what do i need to do and enjoy for info what forms/
Answer:
You can't put a lein on an insurance policy. If you're talking give or take a few life insurance, whoever she designated as beneficiary get the money - cut and dried. You can't contest it.
If she has a house, and you want to put a "lein" on it, you enjoy to go to court, and you own to show proof of why she owes you the money, and how much. There must be a debt or other monies owed, in proclaim for you to get a lien. You can't do it only just because you're the child, and you want to inheirit it.
If she has no will, and she does own bank accounts, concrete estate, property, etc, likely you'll inevitability a lawyer to minister to you sort this out - all her "stuff" is call her estate, and it must be liquidated to settle off adjectives her debts, and anything remaining will go to her heir. Depending on what state you are in, usually a husband gets everything, or if the children are minor, sometimes the husband get half and the minor children receive half. If at hand is no husband, usually it gets divided between the children, but the COURT have to do that if there's no will. Oh, and then her estate have to PAY the court to do that - which will cut into her estate, also.
you need a attorney.
I gather what you want to do is put surrounded by a claim for the insurance policy and somehow keep the house from mortal sold without your getting constituent of it?
If there is no will, the estate will still own to clear probate. The insurance policies will pay the beneficiaries, term, and you can't stop that. Your mom got to choose who get the money from the policies. As one of her children, you would qualify for a percentage of the estate in most states, but the first request for information is whether there are assets when the estate settles. First adjectives debt must be paid. You involve to find out who is the executor and who is taking this through probate.
If there is no will, next the property goes to interstate, and the command will decide who get what.
You cannot put a lien on what you do not have a right to -
You can petition the probate court to be made executor of the estate - you will afterwards have the potential to dispose of the property in accordance to state law.
BTW, I am sorry for the loss of your mom - may she have have a long and happy life span.
INSURANCE POLICIES CAN'T BE TOUCHED.
THEY STAND AS IS.....
NO ONE CAN STOPPED THEM OR CHANGED THEM...
Unless you're named as the administrator (or executor) of the estate, near is little you can do until her estate is opened and settled.
And unless she not here the beneficiary designation as to her estate, it will be available to whoever she named. If you know who be named and the beneficiary does not know it, it's best for you to permit that person know, as it be your mother's wish.
Why do insurance companies ask if your house is in city precincts, to endow with you a homeowners insurance quote?
Question:
Answer:
Fire protection is a big concern for the insurance companies. The house location and better fire protection will have seriously to do with the cost of insurance.
Depending on where on earth you live, your rates can be higher or lower. If your within the inner city, almost always your rates will be superior...
It is very substantial, because they and you, need to know where on earth a water supply is located, and which fire station serves your property. For example, if you are out within the toolies and served by a volunteer fire dept., it would cost more than being surrounded by a city with a fire hydrant on the corner. Best wishes, stay locked.
--ask your insurance company, trust me they will love to answer your question precisely.,
http://www.insurancepolicy.com
Insurance companies use what is set as a GUS reports this lets them know what realm you are in. GUS is rate 1-9 example 3-4 being your common neighborhood and 9 being a fruit farm. If you are outside the city limits but own a fire hydrant with within 1000 feet and a fire department beside in 2 miles it really does not madder. But your insurance agent will requirement to know who the responding fire department is. In the next few years the Insurance companies will start using closure code rating with is going to replace GUS. You necessitate to find an Agent that knows your local community so they don’t hold to ask you question. Finding an agent that you trust and is likely to help you next to all your sound out is worth more then trying to amass a few dollars. When shopping for Home Owners Insurance find out about your Auto as very well and try to keep them next to the same company this too will hide away you money.
In a lot of cases it have to do with fire department response time and/or the availability of a remunerated fire department.
If you live in a metro nouns with a compensated fire department, and your zip code shows a response time of 3 mins or smaller amount, and you have a fire hydrant in 1000 ft of your home...... your insurance is going to be a lot cheaper than mine, because I live within the county, even though the town nearby that services our nouns is manned, the response time for my nouns is 8 - 10 mins. the best and fastest water supply would be our pool, we enjoy a septic system and the water pressure for the rest of the house isn't great.. no fire hydrant.
so city precincts is a big deal.
One of the foremost factors contained by homeowners rates is "fire protection code". If you're in a city, you hold a public fire department within 5 miles of your house, credible. If your house catches in flames, the fire department can be there inside minutes, and hook up to hydrants.
If you're in the boonies, it might be 20 minutes back the volunteer fire guys get in that, and the only marine might be in the pumper truck. PLENTY of time for a house to burn to the ground.
That's why they ask.
Rates are establish by Fire protection class. The closer you are to a Fire Department the better the risk and the rates. If you lived 20 miles from no where on earth then it would purloin the nearest fire dept more time to respond. Your in town ...so that give you a better class for rating.
Can I find an antiquated enthusiasm insurance policy bought for me as a child? I'm over 60 and stepmom still have it on me.
Question:
My dad passed away and I need this money. Is this officially recognized? She's just human being mean.
Answer:
Call the insurance company for information on this policy. You are over 21 years ancient and it does not make any differences on who hold or settle up the policy, you are now the owner. Just remember she does not own the policy if it is within force, you do.
If you know the name of the insurance company find within number and call. Ask them to cross hint your name, your dad's mark, where you lived as a child beside their policies. They may ask you for other persoanl info before they release the requested policy.
If you found it lower than lost money then they can share you the name of the company. Contact the company and ask them what you enjoy to do to collect the money.
Step Mom cannot keep the money it is not within her name.
If she's the policy OWNER consequently there's not much you can do.
If you don't know which company it's held with, you may own to get an attorney to threaten her next to legal doings, and then follow through on it if the threat doesn't do it.
Another alternative you could try first is to call one of the empire search companies, approaching US Search.com. Call them and tell them your exact situation, and they can look for prehistoric records on your dad. It will run conceivably $50 to $250 depending on the depth of the search, but it will be cheaper than an attorney if they find something.
Good luck.
*******I'm assuming you indicate your dad purchased it, and your stepmom is withholding the company info just to be be determined.
If the policy is in your identify and soc. sec. #, she has no right to it.
I believe, if you know the company the policy is near, you can contact them directly. Have your dad's death pass with you when you move about.
I dont know where adjectives this wild info is coming from.
It may not be exactly what you WANT to hear, but its correct.
Bottom smudge is... if your name is not the OWNER of the policy, near is nothing you can do. Likewise, if she is not the owner, she cant do anything. Usually, contained by the case of a child policy that the parent dies first, the policy DOES convert to the childs heading as the new owner. If her autograph appears as the owner, co-owner, or anything like it, it is HER policy.
If you know the company, telephone call them & explain your Dad bought it & died, & ask if you are the new owner. If you are, they will convey you paper work, if you are not, they wont budge any further with you. Same beside your step-mom, if she is not the owner, they wont speak to her.
The only exception to them speaking to you as not one the owner (hint, hint) is if you are the executor to his estate. Then you have endorsed reasons to gain access to the info.
Good luck!
Can YOU find it? Likely not. That scheme, there is no medium database that stores that information.
You're not the policy owner - your dad is/was. The executor of his estate has control over it immediately. You have NO control over the beneficiary clause - solely the policy owner can change it. You can't lolly it in, because you don't own it, you're simply the "insured life". Likely, it's not even in force any more, if it make you feel better. If it is, it's promising worth about $100, if that.
Life's too short, permit her be mean, don't agree to it affect YOU.
Regarding the will - check it yourself. If there is a will file, it's a matter of public transcript. Just go to the probate court of the county he died surrounded by. If there's no will, in most states the spouse get everything, unless there are minor children (since you're 60, I'm assuming at hand aren't).
Since your stepmom bought it, she is the policyowner. Therefore, she has the policy out of sight somewhere in the home. You can send for the insurance company to cancel the policy and read aloud there is no insurable interest between you and your stepmom.
Rights, resembling accessing bread value, are reserved for the owner of the policy individual. The insured has no claim within the matter. You may want to aim legal counsel as far as any stake you may hold to your dad's estate.
I went through adjectives of the same item. It all depends on tons things. But basically looking at your age capacity and the likely insurance payouts...... upon his release the company pays his benificaries as he layed out in the papers. It does not concern if the wife tries to change this subsequent as it is a contract. Now he could have said adjectives goes to her (sounds approaching she is wiley or hiding something) and then it go to the kids.
The policy still exists? This all depends. Imean if it is plenty you could start going in areas she did not even estimate about.
I did not requirement the money but I felt that something be wrong. I called the insurance company and they sent me copies of the policy. Then I checked to see what the actual will be with the county.
Long story short...... my father anyone a good man and have a thought years ago he would want his kids to get soomething. It turned out that the stepmother sold property and get the insurance by saying that she could not achieve hold of me (I was within Iraq).
Turned out she owed me not only the principle but the intermediary told me that I could have adjectives........ house, cars, her money and she actually owed me money.
So step is expect? Find ouy what your rights are.