Can you preempt a life insurance payout denial with additional paperwork?
Hello, my ex-husband and I were together for 22 years, divorced for 6. He has recently passed away. He had a terminal liver disease. We remained great friends up to his passing.
I was the executor of his will until last year when I moved out of state. We decided he should have someone close by as the executor and medical directive in case they needed to be there immediately and needed access to his financials.
He left me a life insurance policy that we purchased when we were married. I just found out that we lived in a state with a revocation upon dissolution of marriage law. Neither of us knew about that law. I’m sure he didn’t know to re-designate me after our divorce.
The life insurance company is asking for me to return their standard forms and a copy of the divorce decree (which does not specify the distribution of the policy). They have confirmed to me that I am the beneficiary but that they may not pay out the claim to me.
My question is if I should send in only the documents they requested and wait for them to deny the claim (as I’m sure they probably will) or if I could also send in a copy of his will that states I am the beneficiary to preempt any issues? Should I call them back to ask?
To make it a little more difficult, his executor won’t share his current will with me at the moment (she won’t even communicate with me) so I’m not sure if I should wait to see what she has or if I could send in the copy I have from last year. I’m in no hurry to collect or fight over anything.
I’m just not sure how any of this process works. I haven’t lost anyone so close to me before. Any advice is appreciated.