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Life insurance advice

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  • Nospot
    started a topic Life insurance advice

    Life insurance advice

    Hi there. My partner of ten years passed away last September. He had life insurance with Scottish widows. We are still awaiting a date for the coroner's inquest but it has become clear that he passed away due to alcoholic poisoning. The coroner also said there was a class A drug in his system although it was a tiny amount and had no part in his death. I have never made a claim for any kind of insurance and I was wondering if this is something Scottish widows could use to get out of paying? Thanks in advance.
    Tags: None

  • 2222
    replied
    Originally posted by staffy View Post
    He took out the policy to provide for me and my daughter (he is not her biological father and has no children) should he pass away but .once again what he wanted counts for nothing. We did get a small amount from his work life insurance that he had named me as the soul benificiary and I thought it would be a similar process with Sw.

    i don't understand why his mother refuses to acknowledge us and is hell bent on going msg against everything her son wanted.

    Anyway, thanks for the advice




    ​​
    Was the policy written in trust?

    Have you considered a claim under the Inheritance Act?

    https://www.hughjames.com/service/co...ce-act-claims/

    Leave a comment:


  • staffy
    replied
    He took out the policy to provide for me and my daughter (he is not her biological father and has no children) should he pass away but .once again what he wanted counts for nothing. We did get a small amount from his work life insurance that he had named me as the soul benificiary and I thought it would be a similar process with Sw.

    i don't understand why his mother refuses to acknowledge us and is hell bent on going msg against everything her son wanted.

    Anyway, thanks for the advice




    ​​

    Leave a comment:


  • des8
    replied
    So if your partner was not married, nor in a civil partnership the intestate rules will mean his children inherit his estate.
    Any wishes he may have expressed are of no consequence.
    If you believe you should receive something from his estate you may have a claim under the Inheritance (Provision for Family and Dependants) Act 1975,

    Perhaps a polite letter to his mother referring her to the intestacy rules will be worthwhile.

    In meantime tagging Peridot for you

    Leave a comment:


  • staffy
    replied
    There was no will.

    Leave a comment:


  • des8
    replied
    Did your partner leave a will?

    Leave a comment:


  • staffy
    replied
    Hi there, I am Nospot but I can't find my login details and I started this thread. I have applied to Scottish widows as I am the default and only benificiary. Having spoken to them today I find out that his mum is contesting this and applying for probate. Can someone please explain what all this means and if there is anything I can do. She had no contact with him before death for over 15years. She has taken over everything and denied all his wishes. I am furious and upset she is trying to take away this from my daughter and I who looked after him. What can I do please?

    Leave a comment:


  • 2222
    replied
    Originally posted by Nospot View Post
    Well I could do that but then I'm not non the wiser. I would rather see for myself what exclusions there are prior to making a claim. Not least because I simply do not have the finances to shell out on yet another death certificate for nothing. I know it doesn't seem a lot but I simply do not have money to waste so would rather know for sure one way or another.
    When MIL died, I heeded all the advice and got several copy death certificates. In the end I only used one or two. I'd just send one off to a company, and they would return it very quickly. They don't need to keep the certificate, just make a copy for their records.

    I think you'll find it difficult to get SW to talk to you until you prove to them that your partner has died.

    Leave a comment:


  • Nospot
    replied
    Thank you amethyst

    Leave a comment:


  • Amethyst
    replied
    Give SW a call and tell them you are struggling with affording multiple copies of the Death Certificate and can you send it to them with the form and they return it to you ? ( Keep copies of course before sending it )

    Otherwise talk to them about exclusions on the policy - or ask if they can send the policy documents to you.

    Leave a comment:


  • Nospot
    replied
    Well I could do that but then I'm not non the wiser. I would rather see for myself what exclusions there are prior to making a claim. Not least because I simply do not have the finances to shell out on yet another death certificate for nothing. I know it doesn't seem a lot but I simply do not have money to waste so would rather know for sure one way or another.

    Leave a comment:


  • 2222
    replied
    Originally posted by Nospot View Post
    Yes I notified them of his death sometime ago and they sent me a claim form and asked me to send a copy of his death certificate which I've only recently got due to waiting for his inquest.

    I have not yet told them his cause of death as I wanted to see for my self the exclusions first or do you think I'm being silly and just ask them straight up if they will payout or not?
    Just make a claim.

    Leave a comment:


  • Nospot
    replied
    Yes I notified them of his death sometime ago and they sent me a claim form and asked me to send a copy of his death certificate which I've only recently got due to waiting for his inquest.

    I have not yet told them his cause of death as I wanted to see for my self the exclusions first or do you think I'm being silly and just ask them straight up if they will payout or not?

    Leave a comment:


  • des8
    replied
    Have you or the administrator yet been in touch with SW?

    Leave a comment:


  • Nospot
    replied
    Thanks I am named as a benificiary. I really need to know how I can get the policy schedule so I can ascertain if I am excluded or should I say his cause of death is excluded

    Leave a comment:

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