What was her official cause of death as listed on the death certificate?
Did she mention any diseases or medical problems on her application where they asked about any pre-existing medical conditions?
Are you saying that her application names the husband AND the agent as the only 2 beneficiaries of this policy?
Is the witness also a beneficiary or just a friend or acquaintance of your mother or of the other 2 beneficiaries?
Did she leave a last will and testament where other assets besides the life insurance policy are listed and will you be receiving a part of that estate?
DANDY DON IN OKLAHOMA (
[email protected])
Thank You Don, for responding. To the best of my knowledge; this is the answers to your questions…
[1]-The official cause of death was a massive blockage in her heart due to accumulated plac. The MD who had done the autopsy said that they rarely saw, a heart, so congested & in such an extreme manner that they found in my mom’s heart! In theory, a “simple” test could have ascertained this condition-existed, and a shunt/ by-pass could have been done. My mom would be alive & well today, as she was a woman who took Excellent care of herself.
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2A] - The ONLY named, “Direct” Beneficiary is The Surviving Husband. However, “Indirectly”,-The agent[who, was also, a “personal friend” of my mother’s] will collect some sort of commission as well as whatever other “arrangements” she made with the surviving husband. Just as an *aside*; the surviving husband, is a man who has a history of marrying “wealthy” woman [he was a hairdresser] when he meant my mother, as it was, she-who had & provided him with financial wealth & security. He went through-“millions of dollars” of her money which left my mom in a frightened mental state as she was “running out of money”. She was always telling me-how scared she was, in regard to her future.
Before my mother took this policy out, this “same” agent orchestrated a similar type of policy, involving [for] my mother’s surviving husband. I’m not certain of all the gory details but apparently, after this 2 year window; this “policy” was “cashed-in” for something like 400,000.00? & I believe, this where “the cash” came from to pay,-the enormous “Premiums” that were required to insure [my Mom] a 70 year old woman for 10 million dollars. My thoughts are that after this 2 year window, the plan was to cash-in this 10 million dollar policy for whatever that pay-out was…???- However, she did Not Live, long enough, to realize this 2 year “cash-in” window. The policy was less than 2 years old.
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2B] - There was More than just the “Omission” of the correct information on the document, there was an overt misinformation [lies] recorded by my [mother] in several of the question pertaining to her own health [x-ray confirmed she’d some sort of “lesion” on her heart due to earlier heart attack which she never mentioned [in fact-denied] as well her own father’s Very Early Death [40’s] from a Massive Coronary. She lied totally on the cause of his death.
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3] - The signature of the “Witness” is Totally-Not Legible, no one’s who’s looked at it-can read it! The suspicion is that it is-“The Agent’s Signature.
However, my Mother’s own Personal Signature is Very Unique-*grins* Even though I’m an artist, I cannot even “copy” it with any authenticity. Everyone who “knows” Mom’s signature-knows this IS a Fake. Even if one did not know my mom’s signature, just by a “side by side” visual comparison it would be obvious that the handwriting is that of 2 different individuals.
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4] - Besides a Will, there was a Pre-Nuptual agreement-all of “that” is in a state of litigation and confusion. That whole situation is a Legal MESS.
The only thing that I wanted to do after mom died was to go through-“her” house and perhaps, just, collect some “items”[not of any value only of sentiment[for myself & my daughter, who suffers from TBI[traumatic brain injury & could not attend her grandma’s funeral as she needs “special care”]. Even though my mother’s house, contents & personal effects, were left to myself and my sibs as her estate, we are not allowed to even “enter the house” as the pre-nup stated that the husband has life tenancy, and because he’s a [well, I don’t have “words to describe what kind of individual he is…] Let me just say that he has allowed me [or my sibs] into the house for almost 3 months.
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Summery: I am NOT Looking to profit from any insurance issues in this question nor do I feel, the insurance company is to held at “fault”; though I do not understand how & why; they don’t have “Much Stricter” criteria and “legal-checks” on the physical health of those they insure esp. for such large sums of money. That is “their” business & I don’t even claim to understand it. This is the same company involved in the Heath Leger situation. If there is “Blame” placed on anyone in this situation; it is “The Blood-Money” that is sought by the surviving husband and my mother’s friend [The agent] in this contract. I, personally, would not Want-Any of this money-as I think the whole thing was some sort of scam and the consequences were not worth the Effort. But, I DO NOT WANT to SEE, those, who should have “Cared & Loved” my Mom- To Profit from this disgusting display of GREED. That is why I ask if there’s anything I can do [in informing the insurance company]-to prevent them [agent & husband [gigolo] from collecting-a penny.
Is there a chance that the company-can find-out about all this information and Not Pay? I know that the company is fighting Leger’s claim. Is the fact, that her signature is “forged”, the false medical information that was given, or the “under 2 window of this policy”- of any value in determining, the payment/settlement in this matter?
I Really Did & Do Love My Mom.
Hers’ was a Death that didn’t need to be.
