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Excluding child as beneficiary

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wileybunch

Senior Member
What is the name of your state (only U.S. law)? Nevada

Spouse is named as primary beneficiary on private term life insurance policy. Children are named as contingent beneficiaries. What is the best way, legally speaking, to exclude an adult child as a contingent beneficiary? Simply not name them or list them and specify 0% share?
 


BlondiePB

Senior Member
What is the name of your state (only U.S. law)? Nevada

Spouse is named as primary beneficiary on private term life insurance policy. Children are named as contingent beneficiaries. What is the best way, legally speaking, to exclude an adult child as a contingent beneficiary? Simply not name them or list them and specify 0% share?
Yep, not listing a beneficiary means that that person has no right to the life insurance. Did you call the insurance company and ask them your question?

(P.S. That's a hint. ;))
 

wileybunch

Senior Member
Yep, not listing a beneficiary means that that person has no right to the life insurance. Did you call the insurance company and ask them your question?

(P.S. That's a hint. ;))
Yes. Their offices were already closed for the day when I called, but I need the form from them anyway so of course will be calling again. But I don't necessarily want just the insurance company's answer about what is the correct legal way to make sure something isn't contested. I didn't know if a private insurance policy beneficiary could be contested like a will can when a child (albeit, an adult one) isn't specifically provided for or excluded.
 

nextwife

Senior Member
Yes. Their offices were already closed for the day when I called, but I need the form from them anyway so of course will be calling again. But I don't necessarily want just the insurance company's answer about what is the correct legal way to make sure something isn't contested. I didn't know if a private insurance policy beneficiary could be contested like a will can when a child (albeit, an adult one) isn't specifically provided for or excluded.
There is NO legal OBLIGATION to leave an ADULT child life insurance benefits! Therefore, there is no "contestablitity" issue.
 

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