S
sonic waves
Guest
I am in Ohio. My grandmother had purchased 3 life policies and signed 2 of them over to the funeral home for pre-payment. About 5 yrs. later, out of the blue she received a letter from the ins co stating that the ownership of the third policy had been changed to the funeral home per her request. She contacted the co. and was told there was an error and the only way to correct it was to have the funeral home sign the policy back over to her. This is what she did, but they did not supply her with a new beneficiary form and made the estate the beneficiary. To make a long story short, she is now deceased and I know that she never requested that the policy be changed. The ins co. has given me the runaround for almost a year as I have requested copies of the form where she signed it over. I was finally referred to corporate, where I was told that they had already paid the funeral home because they were never notified that the policy was hers again. After being confronted, the funeral home admitted they had the check. That is another long story. Anyway, what recourse do I have to get the ins. co. to provide me documentation showing she requested the initial change in ownership? Since my understanding is that the change was never requested (and thus there is no document that they could provide), all subsequent changes should be null and void, leaving me as the legitimate beneficiary. Also, what happens since they paid out to the funeral home who was neither the owner nor the beneficiary? Would this fall under E&O and would there be any punitive damages possible? If so, what amounts?