<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by Woody Jones:
My sister's husband took out an insurance policy on himself and designated his mother as the beneficiary. She did not know anything about this policy until after he had passed away about two years ago. Apparently her name and her daughter's name were included on this policy. My sister did not sign the insurer's policy, yet her name was apparently forged on this policy. She requested a copy of the policy in order to see why her name and her name was included on this policy. The insurance company has refused to release such information. Please help.<HR></BLOCKQUOTE>
My response:
Since the document cannot be inspected, I can only offer you a conjecture to your question.
It appears to me from your description that his Mother was the "primary" beneficiary, and that you and daughter, together, were "secondary" beneficiaries, that would take from the proceeds of the policy only if his mother predeceased your husband, her son.
Since Mother was still alive, the insurance company only had a duty, by contract, with her, and not everyone in the world. So, despite the fact that you and daughter may have been named, they had no more duty to divulge information to you than, say, to me, or anyone else. Only Mother was in "privity" of contract with the insurance company.
IAAL
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