Can i receive my husbands life insurance in the national guard?

My husband served 8 years in national guard, I found his papers saying he had life insurance. He passed away 8 years ago, can I receive this money?

  1. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    If you are the beneficiary of the policy and a claim was never made on the policy, then you should be able to submit a claim for the proceeds. Several items are traditionally needed to process a claim on a life insurance policy such as a completed claim request form and a copy of the death certificate of the insured person.

    You will likely need to contact the carrier directly to verify what's needed to process the claim.

    In general, the only person who can be paid the proceeds from the policy is the person who is designated as the beneficiary.

    I hope the information is helpful - please feel free to contact me with any other questions. Thanks very much.
    Answered on March 9, 2015
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The guardsman selects who the beneficiary will be. However, if you live in one of the community property states, you might have some rights because you are the legal half-owner in the policy. If this is a point of concern you should seek legal assistance. I think that your state law will take precedence even with a federally administered program.
    Answered on March 9, 2015
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  3. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    If you are the primary beneficiary on this life insurance policy, then yes you are entitled to the death proceeds. Call the carrier for a claim form. You will need to fill out their form and have a certified copy of his death certificate. The claim should be processed promptly as there is no statutes of limitations with life insurance if no claim was ever made.
    If you are not the primary beneficiary, you should find this person listed and let them know about this policy and work something out with them on proceeds. You really don't want a death claim not exercised for any beneficiary. I am sorry for your loss.
    Answered on March 10, 2015
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  4. 63333 POINTS
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    Peggy Mace
    Most of the U.S.
    If your husband was still in the National Guard at the time of his death, you should be able to still collect the death benefit from that policy. Unfortunately, if his time in the National Guard was over and he had not chosen to convert his SGLI to VGLI, he may not have been covered. You can contact the VA to find out.
    Answered on April 15, 2015
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